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

I received a check in the USPS priority mail for the amount of {$9800.00} on Thursday, XXXX XX/XX/year> and then went to Wells Fargo Bank and deposited the check ( {$9800.00} ) into my personal checking account. On Friday, XXXX, XX/XX/year>, Wells Fargo Bank cleared the amount in my checking account. As part of the employment scam, I was contacted by the scammer with instructions to wire-transfer {$7200.00} to a XXXX XXXX XXXXXXXX account in XXXX, TX XXXX . With the assistance of Wells Fargo Bank Manager, I transferred {$7200.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; Account # : XXXX ; Routing # : XXXX ; Bank Address : Bank XXXX XXXX, XXXX, TX XXXX ; Beneficial Address : XXXX XXXX XXXX, XXXX, TX XXXX, for the amount of {$7200.00}. On Tuesday, XXXX XXXX, I went to use my debit card and was denied because of insufficient funds. On Wednesday, XXXX XX/XX/year>, I went into my Wells Fargo Bank and met with the Wells Fargo Bank Manager who previously assisted me with the wire-transfer, we both found out that the checked that was deposited into my personal checking account was a fraud. So Wells Fargo depleted all the money I had left in my Wells Fargo Checking and Saving accounts. I am now in the red for {$11000.00} along with penalties that are accruing every time an auto bill payment attempts to retrieve funds for all of my many bills that are due.
Product: Credit reporting or other personal consumer reports

I disputed reports added to my Experian Credit Report that were added by XXXX XXXX XXXX. XXXX  / XXXX do not legally hold the loan due to the Holder Rule Notice Requirements prohibiting the initial loan transfer from XXXX XXXX the intial lender to XXXX. Neither XXXX or XXXX have the legal authority to be accessing my Credit Report. The Holder Rule Notice prohibits the transfer of Promissory Notes that fail the notice requirements. It is clearly stated how the Promissory Note fails the Notice requirements. So XXXX and XXXX are Illegally accessing my credit report. They are unable to verify the report information because they do not legally hold the promissory note because they were federally prohibited from receiving it in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this fraud for years and it has been extremely damaging and hurtful. Someone opened a XXXX XXXX Credit Card account in my name charged XXXX dollars ' worth of items and never paid the bill. Because companies can not keep my information safe, I have been a victim of multiple breeches, and other identity violations. I have suffered, denial of credit, increased cost of credit paying 159 % interest for a small personal loan, lost opportunity to obtain credit, and failure to receive unsolicited offers. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. recipients on the credit report show who has received it ; damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in direct violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092 ; and 15 USC 1692g , 1692c, and 1692j. Please remove this off all my credit reports immediately.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX  I have made a purchase with XXXX for a total of $ XXXX. 
The transaction moved from XXXX to Paypal to my credit card XXXX Canada. 
I canceled the purchase within 48 hours which meant I was meant to receive a 100 % of the money. I canceled directly with XXXX. 

I saw a charge reversal on my credit card except for an amount of $ XXXX so I discputed it with my credit card company. I received a refund and with that it should have been done. 

A few months later Paypal took money from my account for around {$600.00} CAD ( I no longer have access so I don't know the exact amount ), because they claimed that I received 2 refunds for that total amount. 

I continued by sending them proof of credit card details showing I never received more than a cancellation reversal. 

They haven't accepted it, and never showed me proof that they have sent money to my financial institute like they claimed. They not only took a paycheck from me, they also froze my account and sent the left over to collection which is hurting my credit score. 

I have sent them 2 proofs showing that I have never received more money. It has been almost a year and Paypal have never gave me support as a client, and have made it extremely difficult to escalate and find a solution. 

I would appreciate support on this. I know my accounts are Canadian, but Paypal is an American company, and I am not sure who else can help me with this. 

Thank you for any support you can provide.
Product: Credit card or prepaid card

On XX/XX/2022, I added {$32.00} to my prepaid visa card that was issued to me by Crypto.com and they immediately " blocked '' me access from the funds and the card. I've reached out to them and they are demanding I take a selfie while holding my primary card from my main financial institution. 
There wasn't an issue with adding funds to the prepaid card previously and there wasn't an issue with buying {$100.00} worth of XXXX XXXX from Crypto.com and now they want me to send pictures of myself and pictures of my credit & debit cards.
Product: Credit reporting or other personal consumer reports

I have asked that the purchase agreement for this account but instead they sent a billing statement i also asked for the assignment contract still never got it
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of debt bondage and would like for all the listed accounts to be BLOCKED AND DELETED FROM TRANSUNION LLC. 

XXXX XXXXXXXX XXXX XXXXXXXX {$110.00} XXXXXXXX XXXX {$6400.00} XXXX {$4100.00} US DEPT. OF EDUCATIONXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$760.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the late payments appearing on my credit report. I believe that the late payments are an inaccurate representation of my payment history. 
I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate any dispute of information on my credit report that I submit to you in writing. I am requesting that you remove the late payments, as I am asserting that the late payments are inaccurate according to section 1608 ( a ) of the FCRA. 
I am requesting that you immediately remove the late payments from my credit report. Update payment history to be paid as agreed and never late I need you to investigate the following account Account XXXX Company Name : XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX I request you provide me with proof of alleged late payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX  XXXX XXXX. As well as for XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX if unable to provide or lacking proof of this payment being late. Update payment history to be paid as agreed and never late. Please provide a detailed description and procedure used in your process to determine complete accuracy. Once you have finished your investigation send me an updated credit report. To the address stated above I am writing to dispute the account referenced below. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agencies myself and have been unable to get them to verify that this is indeed my debt. 
I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

The following accounts are to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently just started working on my credit and I realized I had a bunch of inquiries on my report that I never made or authorized at all!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

requested that experian remove XXXX XXXX from my credit report because it was fraudulent. i sent in a police report because my identity was stolen. this was not removed. I then sent a request for proof that it was my account, proof of what the vehicle was sold for and thus a true balance. I waited more than 30 days and never recevied that proof. I then sent notice that I had never received that proof and they have still not removed the account.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ACCOUNTS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I believe I am paying an interest that exceeds the limit of my state, I have asked them to review it or provide me with the information regarding the value, but unfortunately, they have not responded to my communications
Product: Credit card or prepaid card

Constant and threatening calls when I had already called and they told me that they would investigate if I did not make such purchases and cancel the bill. We are people of XXXX  and XXXX  who have never had problems with accounts and right now we have no debt. We want a quiet time. I hope you can help me since the calls are daily and up to 5 times a day any time.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft all 3 credit bureaus was notified and another accounts and inquiries was added to my credit report that was not me. these accounts are my police 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
Product: Credit reporting or other personal consumer reports

I NEVER RECEIVED ANY FORMAL BILL FOR THESE CHARGES IN WRITING FROM THE "ALLEGED" ORIGINAL CREDITOR SUCH AS A LETTER SENT THROUGH U.S.P.S WHICH WAS SENT "CERTIFIED MAIL, RETURN RECEIPT REQUESTED" I HAVE NO IDEA WHAT THESE "ALLEGED" CHARGES ARE FOR. THE APARTMENTS AND THE U.S.P.S, BOTH HAVE HAD FORWARDING ADDRESSES FOR ME FROM THREE (3) YEARS AGO. I HAVE RECEIVED NO WRITTEN CORESPONDENCE FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND/OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    WHO SENT THIS TO A COLLECTION AGENCY (I.Q. DATA INTERNATIONAL) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WHO PLACED DEROGATORY INFORMATION ON XXXX XXXX  AND XXXX CREDIT REPORT (WIHTOUT PROPERLY (LEGALLY) VERIFYING ANYTHING). I HAVE ASKED XXXX XXXX AND I.Q. DATA INTERNATION FOR A SIGNED COPY OF ANYTHING THAT VERIFIES THIS "ALLEGED" DEBT. NO RESPONSE. I HAVE DISPUTED THIS DEBT WITH) ALL THREE CREDIT BUREAUS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX ATTY GENERAL'S OFFICE XXXX TX)- A GOVERNMENT OFFICE-NOT A PRIVATE ATTORNEY)
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Obviously I became a victim of identity theft. I kindly ask you to help me because I do not recognize this account. I am requesting that you delete information from my credit report because I am not connected to this account like absolutely. Its for sure not mine. I never signed for or agreed to this. I do not have any contracts or agreements, or documents confirm this item. Please I kindly ask you to take appropriate actions and delete it forever.
Product: Debt collection

I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me.
Product: Credit reporting or other personal consumer reports

Experian website has issues resetting password. It is a simple problem, but the site has been this way for several months, since my first attempt in XX/XX/year>. I am simply trying to reset my password but the site just hangs with no indication of success or failure. I will now send them request by mail ( per their automated phone instructions )- they also do not allow you to talk to live agents. Fortunately, this is not an emergency but just makes life difficult as I am XXXX XXXX living in XXXX and I do not have a lot of free time. 

Again, a simple problem but has had my credit frozen for several months and still unable to unlock my account. I will send them a written request by mail.
Product: Mortgage

The Citi HELOC is the 2nd lien holder on this file. We are trying to get short sale approval from Citi. 

On XX/XX/XXXX, XXXX XXXX, the 1st lien holder, issued short sale approval but we can not close until we have the Citi HELOC approval. Citi has been difficult if not impossible to work with. I have spoken with Citi many times, and I am Authorized on the account, but I just tried calling again today, and Citi told me there is no authorization on file for me. I have sent my authorization to Citi on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been working with a Citi Single Point of Contact, who would not work with me unless he had my Authorization on file.
In order to get Citi short sale approval, they need the property value. I was told that a BPO/Appraisal was ordered on XX/XX/XXXX, then when I called on XX/XX/XXXX, I was told it was re-ordered. Today I received an email from Citi asking me to let you know when the Evaluation has been ordered. 

We do not want this property to foreclose and we are at risk of losing our buyer. Would you please assist us?
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 rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX FORMERLY XXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

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

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.
Product: Debt collection

Around XX/XX/XXXX I received notice that I owe money to XXXX XXXX XXXX via Zions Debt Holdings. I was told that this debt was from XXXX. I told the lady that i am not aware of owing XXXX any money and suggest them send me over documentation showing me such. I have not received any paper work since. I asked what is the process in filing a fraud claim against this and they said that I have to file a report. I have looked about my records and recalled me canceling this service in XXXX. Also, I don't recall receiving any invoicing after i canceled service. Not knowing the true dates of this service i have to believe this is fraud or Identify theft. I wish this debt to be forgiven and deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, is utilizing XXXX to misreport credit data. My credit score has recently dropped 9 points from XX/XX/2021 to XX/XX/2021. There has been no credit changes, no new inquiries, no changes in employment, earnings or other potential scenarios. Nothing in my credit profile has changed - yet my credit score continues to drop. Why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an attempt to collect a debt from a cash advance loan with XXXX XXXX in the amount of {$740.00} dollars, this debt is related to an issue of identity theft and fraud. This has been an ongoing issue since XXXX and this issue was previously known as fraudulent and therefore should not have been sent to collections. An official dispute of this account was mailed certified with return receipt to XXXX XX/XX/XXXX and as of this date no reply or update concerning this has been received by my client. This action by XXXX is a violation of the FCRA and FDCPA. In addition to this an application for another loan was submitting to Rosebud Lending XX/XX/XXXX using Mr. XXXX XXXX   information without his consent. While no account was established there is a fraudulent inquiry on his XXXX  consumer report related tot he application. An official dispute was also mailed to Rosebud XX/XX/XXXX and as of this date no reply has been provided concerning the outcome of this investigation. This action is in violation of CFRA.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As already documented my identity has been compromised and the aftermath has left my credit files with unauthorized accounts as well as the inquiries that I'm respectfully demanding be removed due to the fact they are unknown and unauthorized by me. Please remove the following inquiries immediately. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX/ XXXX  ( XXXX ) 7. XXXX XXXX  XXXX  ( XXXX ) 8. XXXX  XXXX  XXXX ( XXXX )
Product: Mortgage

Seneca Mortgage Lending Services said they paid my XXXX County Property Taxes on XX/XX/2016. XXXX County has no record of payment. Seneca told me they would send me proof of payment, but never did. Now my loan was sold to XXXX XXXX and they ca n't seem to help me.
Product: Credit reporting or other personal consumer reports

By obtaining my consumer report on { Insert DATE } knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
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