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

On XX/XX/2021 I requested PAXOS send {$60.00} in XXXX  crypto currency from my account to my account with another crypto currency company. Since that time PAXOS has refused to complete the transaction, making up ridiculous " additional information required '' reasons to not complete the transaction such as asking where I got the {$60.00}, why I bought XXXX, what I plan to do with the money, etc. etc. I cooperated with their unreasonable requests to this point and now they are just ignoring me.
Product: Debt collection

Hello, how you doing today.. this company Credence Resource Manage is doing fraud.. 
i seen they posted on my credit, first of all i live in XXXX florida ... this fraud company is in XXXX, i have no reason or interest over there. they are a XXXX debt collector.. buy accounts for bulk and try to make income ... 
to repeat i never had tmobile and this fraud company say i did ... simply ask them send the original contract with signatures if they cant provide that remove this fraud and how they got my information
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX  XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Hello and good day! Please carefully read and check my complaint. My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Debt collection

Dear PORTFOLIO RECOV ASSOC Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written un written verbal and nonverbal per 15 usc6802.
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 : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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 card or prepaid card

Please reference closed complaint  XXXX . This complaint should not have been closed. I am submitting another complaint based on the closed complaint because Chase Bank is lying. They have a record of my account in question and they are fully aware of the issue. Please see the reference below.  <P/> Chase Bank claims they have no record of this credit card account. Here is  the Chase Visa cre dit card account number they claim does not exist :  XXXX . I requested this credit card account be closed effective  XXXX     2015 in  an effort to protect my own finances since Chase Bank had no interest in protecting me from this fraudulent vendor.  <P/> Just to ensure you understand that Chase is fully aware of this issue, Chase Bank sent me a letter dated  X/X/2015    fro m CardMember Services,   XXXX   XXXX   XXXX ,  XXXX , DE  XXXX , signed by  XXXX   XXXX , Customer Service Specialist. The letter stated that Chase Bank was rejecting for refund of fraudulent charges fin the amount of {$10000.00} paid to  XXXX   XXXX  posted to this credit card  XXXX   XXXX ,  2015. I qu ote the letter as follows : " When we contacted the merchant to obtain a credit for your accot, they explained that they would not provide a credit because their cancellation policy advises at the time of sale. They also advised that the policy was " non refundable or non cacellable '' at the time of the sales. '' The vendor 's statement is totally untrue. I provided copies of the signed contracts to Chase Bank stating that there is a right to cancel and a full refund is provided.  XXXX   XXXX  has fulfilled nothing as promised . Chase has  to know that  XXXX   XXXX  is a scam company, as I stated in the previous complaint.
Product: Checking or savings account

On  XXXX   XXXX  I was notified by  Chase v ia phone that there were some large withdrawals from an ATM in  XXXX   XXXX  California, and I am in  XXXX   XXXX  NV. They made  XXXX  separate withdrawals at an ATM  XXXX  for {$500.00} and  XXXX  for {$1300.00}. Once I was notified they turned off my card. They also asked about another transaction that I said I did n't recognize fro m  XXXX   for {$14.00}. I did n't know what that was at the time and it had been happening since  XXXX   XXXX . Since the first transaction happened in  XXXX  they said they are only liable for 60 days. I only reported it once  I    representative on the phone mentioned it to me. Now I am out {$1800.00} and was refunded {$45.00}. I talked to the claims rep who informed me of this and was escalated and was told the same thing. When I asked the escalation representative for someone higher he told me know and would not disclose his full name. He did say he was in the  XXXX . I visited a local branch who got someone on the phone and was told they were going to reopen it for review. I called today and spoke with  XXXX  from escalations and was told the same thing they could not do anything for me. I reported the fraud once they called me on it and I only reported the  XXXX  instance. Since they went back to  XXXX  they have denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting my account past due, when is in fact current. I made a payment on XX/XX/20 for {$210.00}. I was advised by the representative that this payment would be updated on my credit bureau report on XX/XX/20. That did not happen and they are reporting the account as past due.
Product: Checking or savings account

Wells Fargo Claims Department Blocked me from making disputes online with my checking account. This is unfair discrimination as other users are able to do this action. They blocked my ability to do this because I filed multiple claims with the bank after my card was used in multiple fraudulent charges.
Product: Money transfer, virtual currency, or money service

Received call from XXXX person on phone identifies as bank of america representative. I verified the number on my debit card and it matched with my bank. He asked if I had made a transaction in XXXX XXXX and I verified no I had not. I received a text with Bank of America logos and replied no I had not made the transaction. He then explained that my account was compromised and I needed to move money with a XXXX transfer so they could keep it from being illegally transferred. I did not know that when I tranferred the money it went straight to the imposter scammers. I transferred to account XXXX, XXXX that they created {$1100.00}, {$970.00}, and {$1300.00} to them. They said the money would be back in my account on XXXX. At XXXX XXXX on XX/XX/24 I called bank of america because I realized this had been a scam and reported it as fraud and imposter scam. They said they will investigate and notify XXXX and reach a decision in 60 days. I received the letter on XX/XX/24 from bank of america via encrypted email they they will not refund me due to the fact it was not fraud and I authorized the transaction. I was coerced and the imposter had all of my information and fell that Bank of America should be held accountable for lack of protection. I never put XXXX in my online account this would have never happened. I also filed a report with the FBI and the FTC on this imposter scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  # XXXX DOES NOT BELONG TO ME. REMOVE FROM MY CREDIT REPORT!
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 under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to explain the circumstances of my chapter XXXX bankruptcy filing..Since credit bureaus wont hear me out I don't know the reason why, but they failed to cooperate..My husband had been laid off from work 7 months previously, which meant our financial situation was precarious. Mine was the only income in the household. I was just barely keeping up with the usual bills after the loss of my husband 's income. This led to our bankruptcy filing. .Things have improved since then..I have received annual raises and my husband have a job now.. Our credit history since the bankruptcy is relatively limited but all of our bill payments since the bankruptcy discharge have been on time.. CFPB reconsider, take care of my concern and fix the following accounts XXXX XXXX XXXX XXXX  -- this account is reported twice the other trade line is in good standing..Its really confusing. Take off the other account which is XXXX XXXX XXXX XXXX.. 
fix also XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UNIVERSITY  XXXX XXXX, XXXX XXXX
Product: Mortgage

XXXX XXXX transferred my mortgage XX/XX/2019, to Specialized loan Servicing on XX/XX/2019, : Sls '' send a one page demand letter, stating a payment of {$1100.00}? under the Real estate Settlement Procedures Act : it state a fifth teen day grace between the old company saying goodbye and the new company saying hello? also under the same Act it states a 60 day grace period from the day XXXX XXXX sold the loan to avoid a late fee? which " Sls '' in seven days applied XXXX mortgage of {$570.00} making it the above total? today of this letter is XX/XX/2019? as a XXXX  Veteran living on XXXX $ a month income SSI getting it the third Wensday of each month? for 34 years i made my payments, im currently due XX/XX/2019 mortgage waiting on SSI check XX/XX/2019 i will send {$570.00}, not much paperwork have i received from this Company and many scammers or out there? i will call them XX/XX/XXXX Monday to speak with someone, to see why they are less than 15 days of transfer requesting next month payment? also calling the VA dept to see whats going on i only have a couple of years to pay this house off, and as a Vet thats my goal! have a Bless day XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX at XXXX I received an email regarding my account that they decided to deactivate just they thought I sell XXXX oriented materials or services online which is not true. I can give you my link store if you want to review and verify. My business is legitimate and legal that I didn't violate the policy of Paypal at all. This is my first time to encounter this kind of incidence. I'm using Paypal as my income since 2021. For the reference ID you can see the attached file. Please do so in order to restore my account as this is my income for my Family also. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX a letter was sent to the 3 different credit bureaus. 

ACCOUNT ( S ) OPENED BY IDENTITY THEFT : XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 I was the victim of identity theft. Several fraudulent accounts were opened under my name. I filed a police report on XX/XX/2014. On XX/XX/2014 I was notified by the postal inspector in charge of my case that the person who had stollen my identity had been found, and was being brought to federal trial. All fraudulent accounts were closed by the creditors. 

Equifax did not remove one of these accounts from my credit history. It still remains on my credit history, and is still negatively impacting my score.This has resulted in unduly increased insurance costs for me for at least the past two years. I have attempted to contact Equifax dozens of times regarding this issue. I have submitted multiple claims. Each time I have provided copies of police reports and all necessary personal information that was requested. Each time I submit a claim, Equifax either never opens the case at all, or concludes that the account is not fraudulent and thus does nothing about it. 

Often they will refuse to let me see the results of the investigation, and I am just told to resubmit the same claim. 

The other two credit agencies, XXXX XXXX and XXXX, have concluded that this particular account is fraudulent, and have correctly removed it from their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard pull from Wells Fargo as well as a Jewelers company that I never submitted for any credit approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this message in regards to credit agency Equifax. It has come to my attention that my credit file has errors and I have contacted Equifax through mail on XX/XX/2021 through certified mail # XXXX it was received by XXXX. Equifax sent me a letter stating that the information I disputed was verified. Equifax has a history of reporting erroneous inaccurate information on my credit report and I have the facts to prove it. The account I am disputing XXXX XXXX XXXX XXXX account number : XXXX. EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported & XXXX XXXX XXXX XXXX is fraud and said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed 2 accounts with Equifax XXXX XXXX XXXX XXXX, XXXX XXXX and asked for validation of alleged debt. The agency wrote back that it was verified and didn't provide me with proper documentation of validation, On XX/XX/2018 I requested validation again to no response, on XX/XX/2018 I requested documents again to no response from the Credit Reporting Agency.
Product: Credit reporting or other personal consumer reports

In early XX/XX/2023, I submitted to Equifax all information required ( per their website ) along with letter requesting a credit freeze be added to my XXXX child 's account. They sent a letter stating they could not process because they needed additional information ( but letter did not state specifically the additional information needed ). Upon calling customer service, they said that the SS information was illegible. 
I resubmitted ALL of the information again XX/XX/2023. And, this time, printed a clear copy of the SS card. ALL information submitted was clear and fully legible. 
They sent a letter XX/XX/XXXX that they could not process ( again with no specifics as to why ). Called customer service who, after 30 minutes on the phone with them, claim ( 1 ) they do not know why it could not be processed. 
( 2 ) they dont have a copy of the letter sent to me and do not know what the issue is. 
( 3 ) they dont have access to the processing department to determine why the re-submission could not be processed. 
( 4 ) they can not provide me with a phone number or other direct contact to the processing department to assist in determining how to rectify the issue. 

Note : in XXXX, all the same information was provided to XXXX and XXXX... both of those companies quickly and without issue added the security freeze to my XXXX child 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting information that has not been validated, nor have I received any disclosures or information about the investigations that were supposedly taken before this inaccurate information was reported to my credit file. 

Pursuant to the FCRA ; the banking system is dependent upon fair and accurate credit reporting. Experian is being unfair by not reporting accurate information about me which would lead creditors to believe I am not trustworthy. 

Furthermore, per the FCRA, ( 15 usc 1681 ( b ) ) ; consumer reporting agencies are required to 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 title. 

I have been violated, once again by this consumer reporting agency, yet I have not received any equitable considerations. Instead I have been forced to continuously take damages and injuries. My credit file has taken damages, which is inconveniencing as well as lowering my confidence to do commerce with banks who uses credit scoring systems to determine my creditworthiness. 

I have not consented to any of these inaccuracies being reported because they are not fair and equitable to me. 

I have not given my expressed consent to anyone to make reports about me that are false and misleading, and Experian has never given me the option to opt out of my information being reported to their agency. I am now requesting that this agency allow me to opt out of information being reported to their agency about me without my expressed written consent to do so.
Product: Credit reporting or other personal consumer reports

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that the bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is the case, how did the credit bureau verify that the information reporting on my file is 100 % accurate. I investigated the issue further and found that Experian receives their bankruptcy information from a third party company called XXXX XXXX. Ive contacted this company and was told all false reporting of the bankruptcy has been removed from my file. However, Experian refuse to update my record. If this is not the case and bankruptcy information is not verified or validated through XXXX XXXX I asked the company to provide me with rightful information on their investigation method. I have not been able to get resolution to either. Instead, I was told that they can not verify my identity. I believe this to be an attempt to prolong inaccurate and damaging false reporting. They never did a fair investigation according to the 15U.S.C 1681. 15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.