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

On XX/XX/XXXX Wells Fargo Bank charged off my account due to the negative balance status. I have been XXXX and experiencing hardships since XX/XX/XXXX due to the Covid-19 pandemic. 

On XX/XX/XXXX Wells Fargo Bank submitted information to XXXX XXXX and XXXX XXXX claiming that my account was closed due to Account Abuse. I never abused my Wells Fargo Bank account - I was experiencing long term XXXX, XXXX and a total loss of my income as a result. I filed a claims related to a {$400.00} charge that appeared on my account. I followed Wells Fargo policies and procedures for filing a claim and they refused to investigate it as they stated their policies did not allow them to investigate claims related to peer to peer financial transactions. 

On XX/XX/XXXX, I attempted to open two checking accounts - XXXX Bank, and XXXX Bank and was denied a checking account based on the information reported by Wells Fargo Bank to XXXX XXXX and XXXX XXXX. 

Wells Fargo Bank 's errors has caused adverse actions to be taken against me ; I was denied two checking account opportunities and the opportunity to establish a new relationship with another financial institution. Wells Fargo Banks ' actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Finally, I believe Wells Fargo Bank 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law. Wells Fargo 's action against me violated my rights under the Fair Credit and Reporting Act because they willfully and intentionally reported erroneous information that has caused other financial institutions to make adverse decisions against me. This matter has prevented me from moving forward with securing a checking account with a major bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX Balance : {$500.00} LENDMARK XXXX Balance : {$4600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$4300.00}
Product: Money transfer, virtual currency, or money service

I write in response to an issue with PayPal. I sold an antique bracelet on XXXX, and was provided with a shipping address to XXXX for the buyer. I shipped the bracelet via USPS with full insurance coverage, and after many weeks in customs in XXXX the bracelet was finally received by the buyer. Once she received it, she claimed the bracelet was damaged. I advised her that the bracelet was antique and had some cracks and chips as delineated in the XXXX ad, and further advised her that the bracelet was in customs and it was unknown to me whether or not it had been tampered with. 

Much to my dismay, PayPal debited my account for the full amount of the sale once the buyer opened a case, and left me with a negative balance. I am certainly eligible for Seller Protection through XXXX and PayPal, who are both jointly owned. Most disturbingly, however, is the fact that I never received the bracelet back from the buyer and it seems that her XXXX  account has disappeared. 

I am hereby demanding that PayPal issue a full and complete refund back to my PayPal account.
Product: Debt collection

I never entered into a contract with Global Lending Services. they bought my debt for there monetary gain but has since harmed my reputation as a consumer / natural being. my rights and defamation of my character has been violated due to there inaccuracies. I disputed the account XX/XX/XXXX and the account was removed on XX/XX/XXXX which has been falsely reporting on my consumer report since XXXX. Global lending services behest a towing company by the name of XXXX XXXX XXXX  XXXX of XXXX, XXXX XXXX to steal my property from my place of abode. Let me remind you I never entered a contract with neither organizations so there was no reason neither organizations to know where to send any false and deceptive forms yet to steal my property which was for personal, household, and family use. I have since been without a vehicle and this violation of my consumer rights has since caused myself and family emotional distress from Depression of me losing my vehicle, loss of work due to not having a reliable means of transportation, XXXX XXXX, embarrassment, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am acting on my own behalf and HAVE NOT used a third party for this dispute. This dispute was not filed in error. Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done DEPT OF EDUCATIONXXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If DEPT OF EDUCATIONXXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
Product: Student loan

Filed income based repayment paperwork approx imately sixty days before deadline. Paperwork wa s not processed ( even after several phone calls enquiring about status ). Full payment was billed in  XXXX . I was promised that the payment would be adjusted before the due date, but it was not. I have been promised that the  XXXX  bill will be put into " administrative forbearance '' ( so interest does not capitalize ) before the  XXXX  bill is due, while the payment adjustment is pending So far this has not happened. On several occasions I have been told either that paperwork will be submitted ( for example, for administrative forbearance ) and found out later it was not done, or told that an action would take a specified duration  ( eg 7-10 days ) to complete and later find out the time frame was actually 60-90 days.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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

I requested details for a fraudulent application for a Home Depot consumer credit card, reference number XXXX. 

I have recently been a victim of identity theft. Someone attempted to open a credit card using my identity for a Home Depot Consumer Credit Card on or around XX/XX/year>. I made a FACT act request, or request for records pursuant to section 609 ( e ) of the Fair Credit Reporting Act, using the application reference number XXXX. 

However, it has been impossible to identify an address to mail this request in. I have spoken to multiple customer service representatives at Citibank, and departments and no one seems to know where to submit this request. The creditor is listed as Citibank.

I have also mailed a request for records to Citibank and they are not able to assist without a credit card number. However, this credit card application was denied, therefore no account number was generated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is providing incorrect information regarding my mortgage and the dispute that occurred with my mortgage. They are stating that as they received the mortgage that the account was past due but in fact it was not. If look at the XXXX XXXX XXXXXXXX entry, they state I was only 30 days late prior to the transfer which was also incorrect because XXXX actually transferred my final payment or two to XXXX which records should clearly show. Even if that transfer did not occur, you can't go from 30 days late to 180 days late in 60 days which should be pretty obvious. 

In reality XXXX should remove this entry altogether although I am guessing that will need to be settled in court because all of this happened due to XXXX XXXX XXXX 's failures in servicing which XXXX then supported and also failed to resolve, except oddly, their attorney 's who filed the foreclosure did make the corrections indicating XXXX knows the issues were valid in my favor, they still did nothing, they know the 'claims ' and now representations are false ... XXXX also failed to provide initial and required servicing documentation ( they sent it four months later back dated ) and really all they were great at was harassment and threats.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligned with the recent cfpb findings against Navy Federal for similar practices were transactions settled with insufficient balance despite initially available funds. I believe these practice are unfair and requests an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Background report stated that a former name of mine was previously XXXX XXXX. My mothers name is XXXX XXXX and I have no association with that name whatsoever and I want it removed from my report
Product: Mortgage

Received notice from XXXX that SPS would be taking over out mortgage servicing and to not send a payment after XXXX XXXX ( next payment was due XXXX XXXX XXXX ). We had to wait for the new account to be established to send in the payment to SPS in XXXX 2016, after we received the paperwork on how to manage online account we attempted on XXXX XXXX to register the account ( unknown account number error ) then on XXXX XXXX ( due date ) we attempted again and the " Security code '' that was supposed to be emailed to our email address never arrived, not in spam folder either, attempted under two other email addresses none worked. The phone number we are required to call asked for account number, enter it and we get hung up on ( tried this 6 times on 4 different days ) ; finally requested the code in writing, no response. Now my mortgage payment is sent in 8 days late ( grace period in until XXXX ) by my bank XXXX on the XXXX of each month and cashed by SPS on the XXXX of each month ( XXXX & XXXX ) however, they call me starting on the XXXX and do n't stop until the XXXX for payment stating its late, today the XXXX they called my private cell phone number which I never gave them so how did they get my cell number? And why are they calling when the account is current? When I call the automated line, enter my account number it states my last payment was made XXXX XXXX and my next payment is due XXXX XXXX. I am XXXX and the back and forth to the phone is ridiculous, having access to the online account would be helpful and I have requested they communicate in writing. There is no need for endless phone calls when the bill is paid, I consider this harassment when there is no reason for the calls, really wish I had a choice about this company being involved in my business.
Product: Debt collection

XXXX XXXX XXXX XXXX. In XXXX at the start of Covid I was leasing a house in XXXX Tennessee. The stove went out and I had 2 grandchildren and my son living with me. I tried to purchase a stove from several places but all of them were out of stock due to the pandemic. I found one thru XXXX XXXX XXXX XXXX  and put in the order only to receive notification that it was back ordered and I would be notified. Because of the pandemic, and restaurants closing and services were scarce, it was impossible for us to prepare food with no oven, so I started looking for an oven I could get right away. I found one at XXXX, a furniture/appliance rental store and was able to purchase it with cash and it was immediately delivered. I immediately notified XXXXXXXX XXXX XXXX XXXX to cancel the rental since I just purchased the same one and was able to receive it immediately. Some time later, I started receiving notices from XXXX stating they would notify me when it was received, so I contacted XXXX and was directed to a warehouse for XXXX in XXXX Mississippi. I called every time I received a notice about shipping and advised the order was cancelled within days of placing it with XXXXXXXX XXXX XXXX XXXX Fast forward to XXXX when it was placed as a collection item with the credit bureau. I filed a dispute, asking they show proof of delivery for the oven. It was never delivered to me or ever picked up by me. Now I received notice that the negative item is staying on my credit report. I cant be charged for an order cancelled and not received. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. is a 3rd party collection agency for medical bills or shall I say physician bills that are unpaid due to either a lapse of insurance or no insurance. I am a Medi-cal beneficiary and was shown to have been covered by my provider which they had already confirmed they had the information for. This predatory form of balance billing has been detrimental to my not only my credit score but it has damaged my credit profile and has altered my life in a very negative way. This defamation of character promotes the idea to lenders that I am a irresponsible borrower and not worthy for accounts or services that I've applied for.

This clearly being some sort of error I spoke with both companies on recorded conversations. I provided both experian ans XXXX XXXX  with all the necessary information to conduct a thorough investigation to the facts. In my dispute neither of the companies conducted any type of investigation and they simply just updated my credit file as verified and accurate. 

I was even able to get both representatives of the company on the phone with each other in a conference call and they continue to be reluctant to remove it from my report. 
It feel like they are being very discriminative in their approach to remove it from my report and are attempting to punish me for speaking up and pointing out there error and violations of federal law by reporting inaccurate information on purpose out of spite. 

I've asked very kindly for them to correct this information immediately and they still after XXXX XXXX today admitted that they made a mistake and this was duplicate billing and that it was their mistake. I was still advised it could take another 2 months before it can be corrected. 

I spoke with XXXX in the company of also XXXX XXXX on XX/XX/2022 who were said to be supervisors as they confessed and confirmed the mistake on their behalf. I was advised that the conversation was monitored and recorded for the purposes of still collecting a debt that I did not owe. 

Please assist me with this account and prevent this company and Experian from further damaging my credit and preventing me access to fair credit reporting information. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent items under the provisions of the law and am requesting a free copy of my report and all information regarding this matter be provided.

The fraudulent accounts are as follows : XXXX 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: Debt collection

I have been contacted my debt collectors in regards to a Forever 21 credit card that I did not use for the money they are saying I owe. I have tried to contact the company and tell them to cancel the card and they said they would but never did. I am just worried because this is really affecting my credit score.
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. 

XXXX XXXX XXXX : XXXX Payment Status : COLLECTION/CHARGE_OFF Reported Balance : {$1200.00} Account Status : DEROGATORY Creditor Remarks : Subscriber reports dispute resolved - consumer disagrees. 
My Remark : I DID NOT REPORT DISPUTE WAS RESOLVED THIS IS A LIE AND VIOLATING MY RIGHTS, XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status : COLLECTION/CHARGE_OFF Reported Balance : {$840.00} Date of Last Activity : XX/XX/ Account Status : DEROGATORY Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees My Remark : I had my card stolen at the end XX/XX/ and called immediately to report the stolen card. XXXX XXXX XXXX XXXX told me that they can freeze my account and issue me a new credit card, after weeks of waiting I tried to pay my bill during the due date ( at the time the amount of around XXXX XXXX {$500.00} ) and without informing and my consent, XXXX XXXX XXXX XXXX closed my account on their Date of Last Activity : XX/XX/, which is not my date of last activity. This also violated my rights., XXXX XXXX XXXX XXXX  XXXX : XXXX Payment Status : Current High Balance : {$1000.00} Creditor Remarks : Closed or paid account/zero balance Account Status : Paid, XXXX XXXX XXXX : XXXX XXXX XXXX : COLLECTION/CHARGE_OFF Amount : {$1400.00} Account Status : DEROGATORY, XXXX XXXX XXXX  : XXXX, HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated my rights. 

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 an 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

I have no knowledge of this account, therefor i believe i am a victim of identity thief. I haven't received any money of services from this company. 

XXXX XXXX XXXX XXXX XX/XX/2019 {$530.00}