23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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.

Has violated my rights. Or 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: Debt collection

I pulled my annual credit report In XXXX to find a collection for Optimum Outcomes, the following has taken place since then. On XXXX17 I sent a debt validation letter to OPTIMUM OUTCOMES ( attached ) I received no response, I have proof they received it. No indication on credit report it was being disputed. On XXXX17 I sent a letter demanding they delete or send me information I received no response, I have proof they received it. Again on XXXX2017 I sent a follow up letter demanding a response, none was given. All correspondence was sent to address listed on my XXXX Report.
Product: Money transfer, virtual currency, or money service

I created my PayPal for my business " XXXX '' on XX/XX/2019. I sold a few phones on XXXX  without any issue & only positive 100 %, 5 star feedback from every buyer. On XX/XX/2019 I received an e mail from " XXXX '' that stated a review of my account is complete and they returned my account to regular standing ( attachment # 1 ). I was not notified nor made aware my account was under review at this point. On XX/XX/2019 I listed a few items on XXXX as well. I had no issues, and only 100 % feedback and high praise from buyers at the speed of my shipping ( same day purchased its shipped ). On XX/XX/2019 at XXXX I received an email ( attachment # 2 )  informing me that I need to take action on my Pay Pal account with ReferenceID : XXXX as they noticed I have been receiving or withdrawing large amounts of money from my PayPal account. I logged in within minutes to find them asking me for invoices, receipts, business information, and a few transactions they required information about. I logged in, provided all information requested. On XX/XX/2019 at XXXX I received an email letting me know they restored my account ( attachment # 3 ). On XX/XX/2019 at XXXX I received an email stating I can no longer use PayPal ReferenceID : # XXXX ( attachment # 4 ). I followed up and received generic emails stating my funds will be available on or around XX/XX/2019. I have tried numerous times to contact via phone which they have made almost impossible with the 45+ minute long wait times, and getting transferred back and fourth between people. I've also emailed multiple times to find absolutely no response, or generic " Please use the website to contact us '' type replies. I follow all their rules/policies in the acceptable use policy, the XXXX seller policy to use paypal as a payment gateway, the legal policies, and the rest of them that apply. I do not have any chargebacks on my account, I do not have any fraud activity on my account, nor do I engage in HIGH dollar amount sales constantly. I sell only on XXXX & a little on XXXX where I have no problems with any buyers - only 100 % positive ratings & high praise from buyers. PayPal can not twist the verbage of their policy and say its for safety/fraud/money laundering etc fears - when that is not the case only to turn around and keep our money for 180 days and do as they please. They are to transmit my money. I have not broken any law, nor violated any of their policies. They already had been sent a " Notice to Dispute '' as stated in their policy which is a step prior to arbitration. They will receive it on Monday. The complaint was also filed with The Commissioners Office of Financial Regulation in Maryland. I will next file complaints with the DOJ, SEC, MD Attorney General, and so forth. They can not get away with withholding my hard earned money leaving me with {$12.00} in my bank account for no reason when I provided them invoices, receipts, sales history, detailed sales information, confidential supplier prices on the invoices, drivers license, and much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Wells Fargo Home Mortgage to acknowledge and change inaccuraries being reported on my credit report. I have start writing to them as early as XX/XX/XXXX and most recently sent them another letter on XX/XX/XXXX ( see attached including excerpts from two loan items - XXXX and XXXX. The former continues to show a 30 day late payment status which is impossible as this loan was paid off and is showing a XXXX balance ... .Reporting must be 100 % accurate under the FCRA. 
The second account also shows inaccurate a 120 days late payment status with a XXXX balance and a comments section showing that the loan was paid off with less than full balance. This is not accurate and I have been requesting an accounting to prove up their reporting.
Product: Debt collection

I have disputed this account with company SEVERAL Times. This same account was removed from my credit reports on XX/XX/XXXX and XX/XX/XXXX. This company has yet again put this inaccurate and unverified account back on my credit report When I called the customer service rep was very nasty and rude and also told me the account was not coming up under my social security number. This collection agency needs to be banned from doing business because their tactics are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian Credit Bureau to correct errors that were on my credit report. The status letter that I received in the mail was that the information on my credit report was updated. Which this is incorrect, because I do n't owe this company below : XXXX XXXX So I called the credit card company and spoke to a rep by the name of XXXX and she informed me that my account was indeed closed and that I do n't use any money to their company. I asked her if they could update the credit bureaus stating my account has been closed and put in a positive account standing. She informed me that they could n't do that. This is really hindering me from purchase a home and it needs to get credit. My credit score is being effected because of this.
Product: Debt collection

I responded to a XXXX XXXX in XXXX. This is what the Ad said. The program is for individuals with good to excellent credit. If accepted in the program. We compensate up to {$5000.00}. Summary. Program. Get paid to use your credit. Legal Doc for partnership,, Quarterly Dividend, Free Credit repair with partnership, Contact XXXX for more information at XXXX. 
XXXX and I did. XXXX welcome me in the program. Met with me in XXXX Florida, l sign a contract l thought was real. He said the contract would show he was liable for any debt, l order cards for XXXX American Express, XXXX  XXXX XXXX. He had me to use his address .So l never received. Bills.. I never use these cards for anything, l think he paid online. Until he decided he was not going to pay anymore. He block me on the phone. I sent the police to the address he provided at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX. XXXX Florida XXXX. This address is current. He charge over {$14000.00} with chase in which l never receive a bill l later found out through email. This scammer also charge over {$8000.00} on American Express. I am receiving calls Dailey. I want this debt charge to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I did not make any purchases on this card and I never received bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian regarding a Collection acct ( XXXX XXXX XXXX ) on my report, that does not belong to me. Experian says the debt is mine, but has not sent me anything validating this debt.
Product: Credit card or prepaid card

I have had a Wells Fargo checking account for over 30 years and I am Wells Fargo credit card customer for over 3 years. I Have NEVER been late, I NEVER been over my credit card limit. Feel free to check their records. They had notified me of a limit decrease at the end of XXXX, 2021 ( not received until XX/XX/2021 ) which put me within {$180.00} of that new limit and ( over limit possible charges ) that obviously affected my credit score and ALSO came from Wells Fargo - ( I was well below my credit limit before they decided to lower this limit ) and that changed to reflect new charges ( over limit, etc ). Before they changed it, it would have been MUCH more efficient for notification that this new limit would bring me so close to the new limit so that they could change a OVER CHARGE LIMIT CHARGE PRIOR to the subsequent and forthcoming statement date. I called and they said that they thought I was " over-extended '' even though my credit report listed as " paid agreed '' on all of my accounts and they even listed my credit score in that letter as XXXX which I believe is listed as " fair ''. I also explained to them that, at that time, I had paid off one of my cars and two of my credit cards -- so this decrease unbelievable as it stands " Please help me!! Just like everyone else, I am trying to keep my family afloat and am not trying to be a problem of companies ( Wells Fargo specifically ) I do not think they should be permitted to take advantage of those of us who are trying to weather this storm!!
Product: Debt collection

( FCRA LAWS ) My information was exposed in a data breach. Also, I am Stating 15 USC 1681b PERMISSIBLE PURPOSE. I have previously tried to resolve the fraudulent identity theft with all the reporting agencies and the merchants. 
This is a final attempt to resolve. I would like this matter resolved permanently and immediately. Please notify all reporting agencies and merchants. Restore all maximum credit reporting scores to the maximum score IMMEDIATELY and within 30 days of this notice. 

***File attachments were not able to be uploaded below.
Product: Student loan

I was defrauded by the school ( XXXX College ). I was told I would qualify for grants that I did not qualify for and was faced with major student loans due to the illegal practices made my Sallie mae ( XXXX ).
Product: Debt collection

According to the FCRA, it is Equifax job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Equifax is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true.

I had asked Equifax two months ago for the following they could NOT provide : How did you investigate this account?

Who did you speak with?

What date and time was this investigation Equifax could not provide any information.

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
Product: Debt collection

I am filing a formal complaint regarding a collection account on my credit report linked to an alleged debt that resulted from fraud and identity theft. This debt does not belong to me, as it was incurred without my knowledge or consent. Its presence on my credit report is both misleading and damaging to my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX The current status should not be showing late because I paid it on time XXXX and TransUnion Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I filed a claim on XX/XX/15 which was forwarded to Chase executive office I received one call to verify information over a week ago I still have no resolution and the money has not yet been returned to my account
Product: Mortgage

New York Community Bank transferred my loan to another servicer XXXX XXXX Mortgage XXXX without providing me adequate notice ( less than 15 days XXXX. When I called XXXX to request more time to access and retrieve my records about Escrow Payments, Insurance Payments, and Annual Interest paid, they were unwilling to help me in any way. They reiterated that in 10 days I will lose all access to their system. The new servicer does not have any of my records yet, and could not promise that they would be in place by XXXX when my XXXX account will become inactive. I asked if they could mail me documentation or allow me to extract my records in PDF format, and XXXX said that they would do nothing for me, and were completely uninterested in speaking with me - eventually, the person on the other end of the phone just went silent and stopped speaking to me. I expressed my concern that this was creating a lot of stress and extra work for me in a very short window, and that I had concerns about my ability to pay my taxes without records to support or dispute a XXXX from the bank - again, complete silence on the other end of the phone. New York Community Bank should not be allowed to treat customer this way - presumably they are transferring my loan because of some benefit to the Bank, so I am suffering for their benefit. I was a model customer, I never made a payment late, or caused any additional costs or concerns for the bank during the life of the loan, and now they are violating the guidelines for a transfer and incurring me additional costs, so they can benefit.
Product: Checking or savings account

I obtained a new phone and phone number. The online only bank ( usaa ) would not alllow me into my account information unless I verified with my ( prior ) phone number and ( prior ) device. I no longer had access to either. The representatives said they werent able to transfer me since my phone call is not able to be verified but gave me the information to verify my id online using my drivers license and request a call at my new number. The automatic systems said to expect a call within 2-3 business days. I called on day three and they said they cant verify me ( since I dont have access to my prior phone or number ) so they cant transfer me to that department. On day four I called asking for answers and access to my accounts and they were unable to tell me anything. At this point I redid the online verification. This is day four since I redid this and over a week since Ive been able to see or use my checking. 
I called again, and again unable to help me. 
The only branch is in XXXX, I am in XXXX By phone or online is the only way to access my account and they wont allow either. The account is not locked for fraud but as the owner I cant access it. 
I just want my checking account back, and any fees incurred by this situation to be refunded.
Product: Money transfer, virtual currency, or money service

I had {$3400.00} scammed from me {$400.00} being on XX/XX/2021 and {$3000.00} ( XXXX separate transactions ) on XX/XX/2021. The information attached are the messages received by me from the scammer as well as the XXXX emails used, a phone number, and a fake phone number of XXXX XXXX XXXX and social security number to make the entire thing believable. I have made complaints to Wells Fargo, both in a Wells Fargo bank as well as through the consumer financial protection bureau, who failed to uphold the Electronic Fund Transfer Act ( EFTA ), Regulation E, and denying me reimbursement under the false pretenses. The entire interaction and results falls under the Electronic Fund Transfer Act ( EFTA ), Regulation E which grants me the right to be reimbursed by Wells Fargo to cover the loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting the lender, XXXX A/C # XXXX, and the attorney involved with the bankruptcy, XXXX XXXX at XXXX XXXX in XXXX, FL, I have located all of the paperwork necessary to correct the issue, yet neither of the above companies will file the correct paperwork to the credit bureaus to fix the problem. I have all of the additional paperwork that was sent to XXXX that they said they never received in order to put this loan onto my credit reports. Someone in either company made a mistake but I should not have to pay for this very costly mistake. <P/>My additional complaint ID is XXXX, this is NOT A DUPLICATE. Someone in one of the companies above made a mistake, and it is being taken out on me. I need this reported on my credit report, as this is my lifeline being a XXXX mother of XXXX XXXX boy. I expect this to be corrected by XXXX, they have the proof of everything, but will not fix it. <P/>I have to purchase another vehicle soon, and this needs to be on my credit report showing the excellent payment history that I have provided.
Product: Student loan

I have been charged over XXXX XXXX dollars for schooling I never attended. I signed up for school, though I backed out, yet they still have sent me multiple emails, like XXXX a day for the past XXXX years, drummed up charges for classes I never attended, and ruined my credit. I have been permanently XXXX for the past XXXX years, have n't worked, and could really use some help from consumer finance. Thank you so much for your time and assistance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I have a temp to call the XXXX XXXX XXXX twice and ask for proof of this outstanding bill from XXXX XXXX. The XXXX XXXX XXXX is a third party and I am asking for this outstanding bill be remove from my credit report from all creditors. When I moved from XXXX XXXX. I ask the property manager to please let me know when she do the walk through and she never did and just put all things on my credit and she was being Bias. They have NO pictures and no receipts for any of the things that they said had to be done to the apartment. I have photos of the apartment when I left. The rugs didnt need to be replaced ( clean ) yeah but replace, no. It is things she did because she was allowed to do so. I am asking for this to be removed from all creditors. I have also called XXXX times on XX/XX/year> to get this sent to me and she just ignore me. I have screen shot that I called and uploaded on this website.
Product: Debt collection

Credit Corp Solutions, a debt collector, contacted me about two credit card debts that were opened in my my name. They said the two accounts were business accounts. I explained that I don't do business in the US and have been working in the XXXX and XXXX since 2014. I explained this was a fraudulent account setup using my personal info. They said these accounts were under my name and thus, I was responsible. I explained again that these were fraudulent accounts setup using my PO Box and personal info. I explained I had done police reports and FTC reports along with credit freezes of my credit reports to protect my personal info against this type of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX XXXX  This account is listed as being XXXX days late. I have never been late on this account. 

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries XXXX days old and add a promotional suppression to my credit file. 

This is a clear violation of my rights under ; 15 U.S CODE 15 1666 15 U.S CODE 15 1681B Please Remove these late payments from my account.