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

Wells Fargo Home Equity # XXXX, this home was sold on XX/XX/XXXX. Wells Fargo and XXXX are still reporting this closed account as being delinquent. The account was paid in full and fully satisfied on XX/XX/XXXX. Attached please find a copy of the Deed of Release, letter from Wells Fargo and the credit report screen shot showing the issue. 
I am unable to obtain a mortgage due to this inaccurate reporting when XXXX XXXX pulled my credit report XXXX was showing this incorrect information. I have contracted XXXX and Wells Fargo myself and to date this issue is still not correct. I have filed prior disputes with XXXX and to date this issue has not been resolved. This is causing an undue hardship to my livelihood. 
The attached shows 90 days late and with last delinquent date XX/XX/XXXX. 
I would like all derogatory remarks removed from this account to show it was paid in full and closed on XX/XX/XXXX.
Product: Credit reporting

Someone has used my identity to open multiple credit accounts and order goods. I have received XXXX new credit cards in the mail in 2 days time. I filed a fraud alert with Equifax before I knew how many accounts had been opened. I attempted to obtain my free online reports from the XXXX agencies and my request was denied by all. I have no idea how many other accounts may have been fraudulently opened in my name or how many purchases have occurred.
Product: Mortgage

First I want to lodge a complaint that when I called the CFPB phone to talk with someone ( XXXX ) My cell phone says I was talking to " XXXX XXXX XXXX '' at ( XXXX ) XXXX. 

Second, after a couple of extensions PrimeLending missed my closing by date on the latest extension ( last week ) and now they are requiring me to signup with " XXXX '' system to provide them with my user name and password for my checking account so they can directly access my account statements. 

I called my bank and they said don't ever give my user name and password to anyone. 

XXXX at CFPB could not tell me if a lender can " require '' me to enable such a data breach to my personal bank account. PrimeLending ( via Loan officer XXXX XXXX ) is also requiring me to provide user name and password for W-2, payroll and IRS tax accounts. Sounds like a scam. 

They also want me to agree to have a conference call where I disclose my security confirmation information so they can verify a loan has been paid - - note the loan was paid off at my bank and they would have all the information to steal my identity and money if I give all of this to them. 

Is this something they can force me to do? Need help right away!!
Product: Debt collection

Paramount Recovery Systems has added {$3800.00} to my credit report that I do not owe. I do not know who this company is and have no contract with this company. I have never heard of this company until this was added to my credit report. XXXX   will not help in removing this.
Product: Checking or savings account

I had two charges on my debit card that was found when I signed up for XXXX XXXX that I did not make to something called XXXX XXXX The charges were on XXXX for the amount of XXXX and XXXX  for XXXX I immediately called the company which they said to call my bank which I did they versed the funds while doing a investigation then all the sudden reversed them back stating no error was made I followed up in writing as told to do then was told they found no error and there is nothing I can do. It was XXXX my electric Bill bounced because of this Im a single mother of XXXX and can not get any help
Product: Debt collection

I do not comprehend why the debt is charge at my credit without any warnings or without knowing is the person is on the country at the current time. I realize that I owne this money because I check my credit and it was afected without a notice. Another reazon is because I call about the statement and they told me it was my wife. So I do not comprehend how I got charge being a XXXX client and 90 days before getting XXXX which means XXXX should cover her a 100 %.
Product: Money transfer, virtual currency, or money service

My paypal account has been wrongfully limited and my balance is not available anymore. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On the XXXX of XX/XX/year>, i got ask to provide proof of fulfilment from my supplier to prove i can fulfill orders. I provided all the information they asked for and my information was correct, however the next day my account was permanently limited with an email stating that i used false information. All my documents were legit receipt for my supplier and now that are holding my money hostage. I would like the limitations to be lifted on my account. I can provide all the info necessary to prove i'm a legitimate business if required.
Product: Vehicle loan or lease

I am in disagreement with the resolution or response provided by CIG with regard to my claims. CIG claims that the XXXX XXXX or " XXXX XXXX '' agreement was signed XX/XX/XXXX. However there is a separate contract date that I have been asking them to look into all along as well. About two weeks after the original agreement they had me sign a contract after the one provided stating that " the Finance Company '' assuming CIG had changed some of the terms. They indicated that I would receive a copy of the new one in the mail yet nothing was ever received. At the time I had no reason not to trust these finance people of any of then for that matter since I had already taken the car home about two weeks earlier approximately. SOme days after I get a call from CIG saying that my original 1st payment should have been due in the month of but was due XXXX but instead I had insisted. 

Additionally, their response states that they are not required to notify or inform a customer of that kind of action or decision ( repossession ) but yet XXXX XXXX kept constant communication via email to me regarding making a payment and other things but yet somehow this type of information wasn't important to have delivered to me? Its ridiculous to imagine that a loan company would not be obligated or required to notify customers of such actions especially if there is on going conversation via email??? How is that even legal or moral?? Not only did this happen once, it happened twice and she didn't think it important to tell me the status of the delinquency and actions that were about to take place?? 

Additionally, they have never investigated any change in interest rate that I have mentioned or referred to. I am requesting that a record of all notes and interest rate changes or fluctuations since the very inception of this loan be reviewed because something is not right. 

I would also like to know why they have failed to respond to my CFPB complaint filed XX/XX/XXXX as it remains open? Am I lying about that too? There have been clear violations or privacy that things you have done that are against the abusive collection practices and you refuse to acknowledge or even respond. What about the XXXX that has never been provided since you are a debt collector. Is it legal for your company not to respond for years??? 

I have been bringing up your shady business for years now and it all seems swept under the rug and nothing is resolved to my satisfaction nor is anything fair. I have filed other complaints with CFPB and the Ca Dept of Business Oversight, XXXX and the Attorney Generals office about every single one of the complaints that I have brought up to you and has not been resolved satisfactory. Debt collectors abusive acts against customers is unlawful
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered an item from XXXX. I was charged {$140.00} on XX/XX/XXXX. The estimated shipping time would have the item arriving at my residence on XX/XX/XXXX. 

On XX/XX/XXXX I received an email notifying me my item had been delivered to my address. I checked the mailbox, there was no such item there. No package had been left on my front porch, nor was any package on the back porch, and the next door neighbors hadn't received anything in my name. 

I contacted XXXX to notify them of the missing package on XX/XX/XXXX. They told me they would investigate the issue to determine the package 's status. On XX/XX/XXXX, XXXX sent me an email which stated " the tracking number shows the item was delivered, this case is now closed ''. At that point I disputed the charge with Discover and provided the pertinent information to them. 

On XX/XX/10 I was notified by Discover that they had reversed the charge-back and sided with the merchant, and Discover requested I provide them with information supporting my claim. I called Discover on XX/XX/10 and asked them what information I could provide regarding an item that had never arrived at my residence. They were not able to give me an answer because there is no way someone can prove they didn't receive something. 

Subsequent phone calls to XXXX to try to get further help from them, the merchant, have gone nowhere, as XXXX has been unable to find my order information during follow up conversations. It's like XXXX lost all record of the transaction after I submitted the dispute.
Product: Checking or savings account

I submitted an application to open a checking account on XX/XX/XXXXunder a promotion to where I was supposed to receive {$50.00} by using my debit card to make 10 transactions of at least {$3.00} each for the two months following my opening deposit posting to my new checking account. The minimum opening deposit for this account was {$100.00}. I clearly chose to fund my opening deposit at the time of the application with a {$500.00} credit card deposit. That deposit posted in XX/XX/XXXX. I subsequently made the required 10 transactions in XX/XX/XXXX and 10 more in XX/XX/XXXX to meet the terms of the promotion. My account was opened on XX/XX/XXXX and I decided to link this new account to an existing checking account at another bank. They subsequently sent trial deposits totaling XXXX cents to my new account that posted on the last day of XX/XX/XXXX. The bank insists that this XXXX cents counted as my opening deposit despite them clearly being trial deposits and not even meeting the minimum amount for an opening deposit. They then claim because I did not make the debit card transactions in XX/XX/XXXX that I did not meet the terms. I believe they are both factually incorrect and being extremely unreasonable in refusing to honor their promotion. This has been an extremely frustrating experience.
Product: Checking or savings account

On XX/XX/XXXX my XXXX  hit me with some significant extra charges at the point of service, so I paid them out of pocket because upon calling my XXXX and verifying myself over the phone, I was informed that they would not help over the phone. This set off a chain of events over two weeks, multiple attempts to access my account, and it's become clear that Optum Bank XXXX uses layers of rigid corporate policies to discourage customers from using their funds. 

I have called them XXXX times in the two weeks since and despite every time, verifying my ( 1 ) social, ( 2 ) DOB, ( 3 ) address, ( 4 ) dependents, ( 5 ) phone number and ( 6 ) employer they REFUSE to update my mailing address, send me a new debit card, mail the reimbursement request form, or even provide my XXXX account number. All of these refusals were because I could not also verify any activity on an account that has had no activity due to not being able to access my funds in this account, and despite correctly verifying the other six ( 6 ) above listed fields. 

This is clearly a company going out of its way to not help customers and keep their funds rather than making them available for the intended use of an XXXX. More frustratingly, I can't do anything about this. I can't go to another XXXX because we don't have a choice in the matter. So I guess my funds will just sit forever with Optum instead of helping me access healthcare, which is obviously the ideal outcome for Optum.
Product: Money transfer, virtual currency, or money service

Skrill declined transfers and terminated my account. I reached out to their support for clarification on what exactly prompted the termination and they refused to provide additional details. They insinuated that I was some sort of criminal  participating in illicit activity. This is a slanderous accusation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am unable to add recipients on my own using the Chase website or mobile app ( XXXX ). The option to send the code to my registered phone number does not appear, and instead, a message instructs me to call Chase to obtain the code along another message that reads : " You don't have any phone numbers that are eligible to get an activation code. ". This is despite my phone number being registered with my Chase account, as I regularly receive notifications, alerts, and sign-in codes.

It is impractical to require clients to call Chase just to add a recipient.

I contacted Chase support and, after being transferred multiple times, no one could explain why this is happening. I have friends who are also Chase clients who do not experience this issue. Seems like it's technical issue as I opened my account in-branch vs. online.

Furthermore, I visited a nearby Chase branch, where the staff called on my behalf and received the same response.
Product: Credit reporting or other personal consumer reports

Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$0.00} for XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>XXXX 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
SincerelXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while serving oversees from XXXX to XXXX. During this time a fraudulent account was opened in my name by XXXX. I demand that this item be removed from my ChexSystems report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report alerts on credit wise and seen SSN TRACKER ALERT and a address that has been added to my experian addresses. It was reported on XXXX of 2020 to experian the address is XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. Thats not my address I never used that address nor know whos address or anyone that lives in OK. I dont know if they have used my ssn to vomit tax fraud or unemployment or for jobs or anything but Id like to find out and know what to do about this
Product: Student loan

My loan was purchased by XXXX from XXXX in approximately XX/XX/XXXX. I received a loan payment disclosure statement on XXXX/XXXX/16 that stated my interest rate was 6.8 %. However, the loan had an interest rate of 5.8 % at the time it was purchased. I contacted XXXX about this and they gave me instructions as to the documentation I needed to provide to prove the correct interest rate. I sent the documentation to XXXX on XXXX XXXX, 2016 via email as they requested. 

Since then, I have called approximately 5-6 times to get a resolution on this matter. Two months have passed and there has been no response via email, snail mail or phone. Each time I call, a representative has told me that they are processing it. However, I have not received any confirmation from the company that the documentation was received ( no reply to the email ), nor has any representative followed up with me to update me on the status of my request. All the while, my loans are being charged the higher interest rate. The stalling and delay tactics are extremely frustrating and obviously I will not pay the higher rate and expect to be credited the difference in the interest amount charged at the higher rate.
Product: Credit reporting or other personal consumer reports

Ive performed and investigated my credit report and found several items to be inaccurate. 

My credit report shows XXXX XXXX XXXX XXXX  month of XX/XX/year> as a late payment. I have disputed this payment as on time and have never had a late payment on my credit report with this mortgage company. 


Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the following information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general. If any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately. 

XXXX XXXX XXXX. LATE payment XX/XX/year>.
Product: Credit reporting

These Inquiries I did not authorize and can not understand why no one will delete them. I asked a car dealership to do XXXX bank and they submitted my deal to XXXX banks, which was NOT Authorized. 



CA XXXX BANK XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX Finance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX XXXX Automotive XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX I XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance COAF XX/XX/XXXX XX/XX/XXXX Finance TD AUTO XXXX XXXX XXXX, XXXX XXXX XXXX Finance Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX Automotive VANDRGRF CHV XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance CRESCENT BK XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am attaching proof from my last dispute that Information on my consumer report is inconsistent. Please remove these account since the information on the accounts is not valid or consistently reflecting from the other credit bureaus.