23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

A plumbing company opened up a line of credit with Wells Fargo on our behalf after preforming services. Wells Fargo sent notification for payment of the loan to an old address and did not attempt any other form of communication. By the time the information was received for the account information and how to make payments, we had already received two late payments and a negative report to the various Credit Reporting Agencies for delinquent payments. There were zero attempts to make effective communication between Wells Fargo and ourselves. 

The loan was paid off in full. When contacting Wells Fargo to ask for a " goodwill deletion '', the customer service representative said that Wells Fargo 's company policy prevents them from contacting Credit Reporting Agencies and that by asking for a " goodwill deletion '', I was conducting illegal behavior.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report false and erroneous information on my credit report regarding XXXX. 

The account should be closed and Equifax is listing the account as open and last payment made in 2021. 

That information is false. I asked Equifax to provide evidence and they refuse. 

I sent a letter to President Biden and the Senate Finance Committee. 

I want this account corrected and removed or I will take legal action.
Product: Checking or savings account

My 12 mo. CD@ 0.20 %, was up for renewal on XXXX-XXXX.The new rate was 4.75 %. 
On the last day of my grace period, XXXX, I called to make sure I would be renewed at the new higher rate. The rep told me he could not do this over the phone ; I would have to go online, close out my CD, open a new one, then transfer the balance of {$84.00}, XXXX to the new one! I would incur a penalty of {$84.00} when I did this. When I got online to do this, the Axos website was down, so they told me I could have until tomorrow to complete the procedure. The next day while attempting to do this, I was prompted for security reasons, to upload a picture of my driver 's license to their form. I am XXXX yrs. old and had no idea how to do this, so I emailed them at the bottom of the form and requested they take care of this on their end and renew for 12 mo. @ 4.75 %. This did not happen, and I am now renewed at 0.20 %. Why was my Cd not renewed automatically at the new rate as with every other CD I have ever owned? I have owned this CD with XXXX/Axos since XXXX  and have never had an issue before.
Product: Debt collection

I have a previous claim : XXXX ARS Resolution Services also violated my cease & desist clause they keep spamming my house address with false correspondence and their records have two different service dates for a false debt. The evidence is provided in the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Transunion on XX/XX/2021. These inaccuracies are seriously harming my credit with my Credit score being XXXX. These accounts were never verified after multiple attempts to reach XXXX directly and didn't receive any response .Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved. Under the FCRA, unverifiable accounts must be removed and I was never provided a copy of verifiable proof, the account must be removed. I also have mail receipts attached as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 16668 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX  XXXX XXXX {$10000.00} XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX OF XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Checking or savings account

Thursday, XX/XX/XXXX at XXXX XXXX I went to my atm and deposited XXXX XXXX XXXX  bills equally {$600.00}. I can only deposit 30 units at a time so I counted 30 beforehand. It took a long time to process and gave my card back while saying my transaction was cancelled. It printed out a receipt saying there was a problem returning my money and to contact my bank. Last time this happened I had to wait almost two weeks to get my money back ( it was also {$600.00} ) because Regions bank said that the people who work on the atm only come out on Wednesdays and they need to make sure it really was {$600.00}. When I got my money back it was only {$300.00}. They told me there was nothing they could do.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 
The account is XXXX XXXX XXXX, XXXX and they have illegally reported this to my credit before the deadline given and without a response from me. ILLEGAL XXXX I HAVE PROOF OF THEIR LETTER Stating THIS
Product: Money transfer, virtual currency, or money service

Below is the complaint I filed with PayPal inc. The company is refusing to release my funds until after 180 days even though I have been compliant in authenticating my identity. 


Filed with PayPal Friday, XX/XX/XXXX Reference ID : XXXX I am respectfully requesting that the hold on my funds/account be lifted. I am NOT requesting that my account be re-opened or allowed to continue to use the PayPal service, as I respect PayPal 's decision to suspend my account. 

I simply would like my funds to be released as swiftly as possible seeing as I have not been involved in any fraudulent or illegal behaviour ; I simply made a business account BY MISTAKE instead of a personal account. I do not own a business and thus the {$800.00} USD in my account is money I made on my own accord. I do not have any customers and thus the 180 ban in order to await customer disputes is invalid. I have proof of NOT owning any sort of business attached to this account, that of which I am happy to provide PayPal with evidence. Also, I had previously contacted PayPal to ask them how to downgrade my account from business to personal AND when prompted for showing identification, I do so properly. I was then suddenly banned without proper warning. 

Furthermore, I am currently overseas and am in need of these funds for traveling back to America. I will begin my travel next Tuesday ( XXXX ) and am in need of these funds. I have proof of my travel such as my ticket and and passport and am happy to provide evidence of this to PayPal directly. Without these funds, traveling to see my family ( whom I haven't seen in 4 years ) will prove extremely difficult if not impossible for me. 

I have previously requested a review/appeal of my case which was denied even though I was compliant and offered proper authentic identification for the issue. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. I will be filing complaints with my respective agencies in America if I am not satisfied with PayPals response to this request to release my funds, respectfully. 

Finally, I do NOT wish to have my personal finance information kept for 180 days as I would like to completely terminate my business with PayPal.
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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

Only one name should be on all three reports same way as my government id card. XXXX XXXX XXXX no other names should be on my report no abbreviations etc. shouldnt no job employment be showing on there I do not work thats inaccurate information thats sombody else not me. Only one address should be on there XXXX XXXX XXXX XXXX other information is inaccurate and need to be updated because its hurting my credit by adding things thats not even mines
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Bank of America due to the following violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Service ( IRS ) regulations : a ) Incorrect Reporting of Charge Off : Bank of America has incorrectly reported my account ( # XXXX ) as a " Charge Off '' to the credit bureaus. Despite the account being resolved, Bank of America continues to report this negative information, which has caused significant damage to my credit score. This is a violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers of credit information to report accurate and complete data to the credit bureaus and correct any inaccuracies. b ) Failure to Issue the 1099-C : In addition, Bank of America has not provided me with the 1099-C form required for debt cancellation. According to 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, a creditor must issue a 1099-C if a debt of {$600.00} or more is canceled or forgiven. To date, I have not received this form, which constitutes a violation of IRS regulations and complicates the proper closure of this matter. As a result of the incorrect reporting of the Charge Off and the failure to issue the 1099-C, my credit score has been negatively affected. This has directly impacted my ability to obtain credit and has caused undue financial stress. I have made several attempts to resolve this issue with Bank of America, but they have neither corrected the report nor provided the required documentation. I request that the incorrect Charge Off information on my credit report be corrected immediately, that the appropriate 1099-C for debt cancellation be issued as required by IRS regulations , and that the credit bureaus be notified of the correction to ensure that the negative item is removed from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ; m writing to formally address a matter of utmost importance concerning a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ). 
My consumer report, under your guardianship, has unauthorized entries related to consumer credit transactions that are IDENTITY THEFT. NO PROPER DOCUMENTATION SUPPORTING SUCH CLAIMS AND ALLEGATIONS HAVE BEEN SUPPLIED AND MY WRITTEN AUTHORIZATION WAS NEVER GIVEN : I HAVE ASKED FOR THIS PREVIOUSLY BUT BECAUSE THE CORRECT INFORMATION WAS NOT SUPPLIED, IT BRINGS US HERE. Please be explicitly clear on this matter : at no point did I grant or was approached for any authorization pertaining to these transactions. XXXX XXXX XXXX XXXX ; XXXX alarming to have to go through these things, and the implications for me are profound. 
As outlined in 15 U.S. Code 1681c-2 ( a ) ( b ), your agency has a really important duty UNDER FEDERAL LAW to block information stemming from a identity theft scenario. The requirements are unambiguous : 1. The provision of a valid identity proof of the consumer.

2. A duly filled identity theft report.

3. The identification of questionable entries by the consumer.

4. A declaration from the consumer dissociating them from any transactions related to the said entries.

Further, subsection ( b ) details your responsibilities in terms of swift communication to the entities who furnished the questionable information.

To reiterate, in accordance with FCRA 605B, XXXX XXXX XXXX XXXXXXXX ; ve furnished all necessary documents, reports, and statements to your financial institution. Now, XXXX XXXX XXXX XXXX  ; XXXX your turn to act, and it is long over due. I expect, and the law mandates, that you provide me with evidence of your proactive steps in this matter, including informing relevant parties and placing a block on the questioned information. 
Your inadvertent oversight has already dealt a heavy blow to my financial reputation, causing personal distress and consequential roadblocks in my endeavors. Such transgressions can not be taken lightly, and I urge you to redress this situation without further ado. Failing to act judiciously may leave me with no choice but to seek legal recourse. 
XXXX XXXX XXXX XXXXXXXX ; XXXX paramount to recognize that while your organization wields profound influence over consumers & # XXXX ; lives, this power comes with great responsibility. Our birth certificates and the information they contain, our very identities, should be sacrosanct. 
I await your prompt attention to this pressing matter, but I am not finished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrwctwd right away : XXXX XXXX XXXX Balance $ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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
Product: Credit reporting or other personal consumer reports

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve this problem.

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission.

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again {$440.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit card or prepaid card

I am filing this complaint because  XXXX , an  American Express  card, wo n't dispute anything, no matter how egregiously fraudulent.     My cell phone is also a hotspot. I have bought so much data which gets you around the Internet, because when it slows down or stops your data is gone. My  XXXX  is  XXXX   XXXX .      XXXX   XXXX  has given me some data back for free, but it 's still slow. It 's supposed to move at the level of  XXXX   XXXX , but it does n't.     The tablet I was using never sped up. An in an instant my data was eaten up as  XXXX   XXXX  told me but I never really went anywhere, because it stopped or slowed to a crawl.     I called  XXXX  and told them what happened, and this stupid representative said it 's my fault because I gave them my card number!!! Is n't this the dumbest thing you ever heard.     I want this disputed because I never got what I paid for. These are the amounts and dates.       XXXX   XXXX   -  XXXX  -    XXXX   -   XXXX   -   XXXX   -  XXXX . -   XXXX    Now for  XXXX . They are charging me but say because I have a   XXXX   device,   XXXX   is the one charging me ; I access   XXXX   through  XXXX . However,   XXXX   says it 's not them.      I do n't know who is charging me or how they got my number. I do n't have   XXXX  . I wanted to dispute the below figures and  XXXX , once again, said no! They wo n't even disputes fraudulent ATM charges.     They are breaking the law. By the law they are supposed to dispute all fraudulent activities : I want to dispute the charges below also.       XXXX  : -  XXXX  -   XX/XX/XXXX   -   XXXX   -   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a credit inquiry on my report that was made that I believe this inquiry was made without my authorization. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a credit report may only be accessed with my consent or for certain permissible purposes. As I did not authorize this inquiry, I am requesting that it be investigated and removed from my credit report. 

Please provide me with the details of the authorization for this inquiry or remove it from my report if no such consent was given. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,