23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 i sold ELECTRONICS to a buyer. The buyer paid through PayPal and i shipped the items to the buyer. Tracking information showed the items as being delivered. Buyer also contacted paypal and advised them that they had received the merchandise in condition as described. PayPal closed my account and says i have to wait 180 days to receive the funds without any explanation. There are numerous reports of them doing this to people and they never get their money back.
Product: Student loan

I have been paying back my Wells Fargo student loans since XXXX. When my parents who had consigned the loans filed for bankruptcy they excluded the student loans. I have paid on time. Also over the amount due when I can. They stopped sending paper statements after the bankruptcy started and stated I could still access my account online. For the past several years that has not been a problem until XXXX of XXXX. They then stopped allowing account information to be viewed online due to a new policy. The account is not in default. When talking to multiple people no one could tell me about this new policy and could not give access to the account. I now have to make phone payments and can not receive any statement to know where the payment is going, how it is applied or new balances without waiting to talk to a representative. I just want to have access to the online account so I can ensure payments are being applied correctly or to receive either electronic receipt or paper receipt of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Payday loan, title loan, or personal loan

In XXXX, XXXX I got approved for {$15000.00} loan, {$14000.00} been transferred to my bank account the last week of XXXX. 
It was 36 Mo. term loan with % 29.67 interest rate & % 34.53 APR. I started paying XXXX, XXXX, XXXX. I was great customer for 14 ( Fourteen ) consecutive months until XXXX, XXXX. Every month {$630.00} goes from my bank account to the lending company with No problem, Fourteen straight months No late fee or anything. I work as an XXXX XXXX, I filled for unemployment, but I didn't receive any money until today. I tried to contact the lender several times, No response, ONLY, a message that tells people how great this company is, and how they are complying with the federal government regulations, and how they are here to help .... and on and on. I went to their website and emailed them through their page. Said that I won't be able to make payment for the month of XXXX, and maybe the month of XXXX. This Email was three days before the XXXX payment due. I called my bank to make a stop payment for this amount, because if they ignored my email that I sent three days before, they won't be able to withdraw money from my account. I wasn't sure when I will be able to have more money in my account, and what ever was in my bank account need to be saved for rent, food, and more important items. 
I received an email in XXXX, XXXX, XXXX that said they weren't able to withdraw the payment for my account. I replied to this email with the same message I sent through their website ( I won't be able to make payment for the month of XXXX, and maybe the month of XXXX. There was a link to defer plan, I applied for it, they said that they will get back to me within 10 days, but No one did. I couldn't make a payment for the month of XXXX. 
They didn't send an email this time or tried to contact me to find out what happened, especially I was a great customer for 14 months. I assumed that they understood my financial situation, but NO, last week I received a letter from a COLLECTION AGENCY. can you believe that. I called and I gave them what they deserve, they said they will review my case and get back to me, that was last Tuesday. Now I need to know what can I do, I didn't pay the rent for the month of XXXX or XXXX, I didn't receive any money from the unemployment yet.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There is inquiry on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX owing an alleged {$2200.00} XXXX   XXXX orig creditor XXXX
Product: Credit reporting or other personal consumer reports

I recently purchased a vehicle through XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX United States on XX/XX/XXXX I had gone in with a pre approval with XXXX XXXX XXXX looking to purchase a XXXX XXXX XXXX and signed a credit application that was to be sent back to XXXX XXXX XXXX to allow XXXX XXXX XXXX XXXX XXXX XXXX underwriting to connect on the same system but the credit application was used incorrectly and was sent out to multiple credit unions and lending companies. I only authorized the credit application for XXXX XXXX XXXX but Im seeing the application got sent out the credit unions below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to have the hard inquiries removed from my credit report as they were not authorized to be pulled. Ive spoken with the credit unions and they have come back to me saying they would not have pulled my credit if I did not sign a credit application. I understand that is true but I did not authorize the dealership to send out my credit application to be sent out to those XXXX establishments, only XXXX XXXX XXXX.
Product: Credit card

Shortly after the time of this occurrence XX/XX/2018 a representative at American Express said not to worry about it and it will be taken care of in about 30days. Years later it was never taken care of at all! 
A police report was attempted to be filed but because the occurrence was on a XXXX XXXX XXXX line, they said it was out of their jurisdiction and it was nothing they can do about it! 
Card number : XXXX The amounts were charged in increments of $ XXXX getting up to {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX
Product: Credit card or prepaid card

Yes I have a Barclays XXXX XXXX XXXX that I received a little over a week ago and I have had to contact them multiple times a day via calls and chat about them constantly declining my transactions when I have proof that my account has no restrictions and no holds and all transactions will go through I have told them every time that all transactions have been authorized and they still want fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX VICTORIA SECRET CREDIT CARD XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XX/XX/XXXX REPORTING LATE ON CREDIT REPORT CONTACTED CREDITOR NO ACTION ON CONSUMER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2.IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH ACCOUNT WITHOUT MY WRITEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNTUNDER END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Debt collection

This account was placed on my credit report in XXXX. Since this alleged debt has been on my credit report, I have been homeless 3 times because I can not find adequate housing. Then when it is time to find another home its almost impossible. I have been denied form or passed over for at least 50 apartment homes in the past 6 years. I contacted the CRAs as well as National Credit System in XX/XX/XXXX. I was told the debt was investigated and came back as valid, although 15 usc 1681a ( e ) says to investigate any alleged debt, they would have needed to interview my friends and neighbors ( they did not ). On XX/XX/XXXX I sent National Credit System an affidavit of truth, they never rebutted or responded to the affidavit. I noticed that it was still on my credit report so on XX/XX/XXXX I sent a cease-and-desist letter, still not response or removal. I need help National Credit System is ruining my life!
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX under account number ( XXXX ), a credit card account opened at XXXX XXXX XXXX  XXXX under account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts and or collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and or collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and or collections are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I authorized XXXXXXXX XXXX, custodian of my Health Savings Account, to pull {$3000.00} from checking account at Wells Fargo Bank. On the XXXX two micro pulls were conducted successfully to ensure that correct routing and account numbers provided. These two micro pulls were immediately refunded back to my checking account The next day, XX/XX/2020 {$3000.00} was pulled from my checking account with ACH transaction # XXXX and applied to my HSA account. On XX/XX/2020 I received an Email from XXXX XXXX stating. 

" Please be advised that your deposit amount of {$3000.00} made to your Health Savings Account on XX/XX/2020 has been debited from your account. The funds were debited, as funding to cover this deposit was not received from the bank on which the check was drawn. '' I immediately called Wells Fargo. On XXXX they provided me with the ACH transaction number which I then provided to XXXX shortly thereafter. My bank statement for that time period clearly shows the {$3000.00} dollars being pulled from my checking account. 

For months I went back and forth with XXXX about where the $ $ ended up. Finally on XX/XX/2020 I received the following email from XXXX. 

" Our Finance Team has confirmed that the transaction in the amount of {$3000.00} was manually rejected due to NO external bank account at the time of the transaction. From the research, it was determined that the transaction belonged to you. '' From that point until now I have tried to get XXXX and Wells Fargo to work together to find the funds but both refuse to accept responsibility to find the money. I am finally giving up on them and submitting this complaint hoping that the CFPB can force the two banks to talk to each and find my {$3000.00}. 

I have enclosed copies of the various referent letters, a sanitized copy of my bank statement showing the {$3000.00} being pulled, and my log of all the phone calls etc that I have record of. ( I did lose one months log to my puppy voracious appetite ). If further information is needed I will do my best to provide it.
Product: Credit reporting or other personal consumer reports

Attn. : Equifax Information Services LLC XXXX XXXX XXXX XXXX, Georgia XXXX To Whom it XXXX Concern : I have been unable to access the online myEquifax account to freeze or unfreeze my credit report or to see the report. The purpose of this letter is to request that Equifax gives me access to my credit report and allows me to freeze and unfreeze requests for my credit report. 

Screenshots of my attempt to access myEquifax are attached. In frustration I called XXXX help line ( XXXX ) on XX/XX/XXXX. The person I spoke with ( XXXX XXXX was unable to resolve why I could not access myEquifax online. He indicated a software problem and said he would escalate the problem for resolution. He told me to try to access the online myEquifax account in about a week. I tried on XX/XX/XXXX, with the same resultant message ( We are temporarily unable to complete this request ). I called Equifax again. The automated system failed to verify my identity and eventually passed me to someone called XXXX. XXXX also tried to verify my identity by texting me a link to a URL that instructed me to take photos of my driver license. The website I linked to failed to work ; it consistently hung up my XXXX camera. XXXX then instructed me to send this letter, with photos of my driver license and social security card, so Equifax could verify my identity. I was told that upon receipt a letter would be sent to me within 5 days with information about how to access the online myEquifax account. 

The requested information is attached. 

Sincerely P.S. : A copy of this letter ( without attachments ) is being conveyed as a complaint to the XXXX Consumer Financial Protection Bureau. My experience with Equifax has been abhorrent. XXXX online software and automated phone services are full of bugs and simply do not work. Equifax makes attempts to contact a human agent into an onerous process that consumes enormous quantities of the customers time, and then fails to resolve problems. As XXXX of the XXXX major credit reporting agencies Equifax is obligated by Federal law to provide consumers with their credit report and to allow consumers to freeze and unfreeze access to their credit ratings. But these obligations are rendered moot by difficulties with XXXX access procedures.
Product: Credit reporting or other personal consumer reports

The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

there are in my credit report inquires i did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX Dealership  filed Chapter XXXX bankruptcy in XX/XX/year>. Now XXXX XXXX XXXX says they own the debt but have not provided full ownership documentation.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  0XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2015 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX, FL XXXX these addresses are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it.

EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$4000.00} ; US DEPT ED XXXX XXXX XXXX : {$3000.00} ; XXXX XXXX Balance Owed : {$6400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus several via mail asking to remove these fraudulent accounts. 
XXXX/XXXX Account # XXXX balance- {$480.00} XXXX/XXXX Account # XXXX balance- {$580.00} XXXX XXXX Account # XXXX balance- {$990.00} XXXX Account # XXXX balance- {$1400.00}