23daVinci/CFPB_Complaints huggingface dataset:
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 items 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 items : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a status of 60 days late, XXXX  is reporting no late payments and Equifax is reporting a status of 60 days late, XXXX : XXXX  is reporting a status of 120 days late, XXXX is reporting a status of 180 days late, Equifax is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, U S Dept Of EDXXXX Account Number XXXX XXXX is not reporting this account, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX, Equifax is not reporting this account, XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  and Equifax are reporting opened dates of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX  is not reporting this account, XXXX   and Equifax are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX  is not reporting this account, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX and Equifax are reporting opened XXXX of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, XXXX  XXXX Auto Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX  and Equifax are reporting opened dates of XX/XX/XXXX, U S Dept Of XXXX Account Number XXXX XXXX  is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, U S Dept Of XXXX Account Number XXXX XXXX  is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an account at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify to open an account with them because of two accounts reflecting badly on my credit report. The names of the accounts are XXXX/XXXX and XXXX XXXX XXXX XXXX. Neither of these accounts belongs to me and I did not give anyone permission to open these accounts with my personal information. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any transactions or payments towards these accounts. I already got in contact with both companies and filed a police report regarding these suspicious accounts.
Product: Credit card or prepaid card

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name XXXX XXXX XXXX XXXX XXXX and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it. 

An agent of Target called me @ XXXX XXXX  PST on XX/XX/2023, however i was unable to answer. I gave them a call back @ XXXX XXXX PST XX/XX/2023 in regards to the call. The agent wanted to verify that I applied for an extension of my own credit when I filled out a credit application. I verbally notified them that I, the consumer and natural person did indeed apply for an extension of my own credit. However I was asked to provide Identification, which I notified them I can provide them with a passport. However an agent of Target advised me that they would only accept a state issued ID. I am not in any possession of a state ID, as the natural right of a natural person I can travel among the land without a License. I do not operate in commerce when in my private automobile. I also have the right to identify myself with my passport. 

Unfortunately for this reason, I was discriminated against for not having an ID, and I, the consumer and natural person, was denied credit by TARGET when I applied for a Credit Card. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by TARGET due to the response I received.

TARGET is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) as defined in 15 USC 1602 ( i ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of TARGET. 

If TARGET fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make TARGET criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 

I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX XXXX XXXX/ [ Agent/Beneficiary ] Without Prejudice, Without Recourse. All Natural Inalienable Rights Reserved.
Product: Money transfer, virtual currency, or money service

XX/XX/20 : Opened Coinbase XXXX ( product division of Coinbase ) account ; verified all information requested including driver 's license & personal picture upload XXXX : Deposited {$70000.00} usd without any issue or indication that any information was lacking XXXX : Deployed deposited funds to purchase XXXX  ( at which point coinbase profited heavily off my transactions XXXX XXXX : Account was frozen without notice ; subsequent attempts to alter my held positions were unavailable as " trading was disabled '' on the account. 

After reaching out to Coinbase I have not received anything but a generic response from the company, despite numerous inquiries, as to why my account was disabled. As a result of not being able to manage and trade my positions, I have incurred {$1700.00} in direct monetary damages as of this submission. 

I have never experienced this type of customer service from a financial institution, much less one that allowed me to deposit significant money then freeze my funds only after they profited from deployment. I would like relief from this situation.
Product: Credit reporting

I have checked my credit report and have found XXXX as a credit XXXX. I have in no way ever signed for or agreed to pay this and would like it removed from my credit report.
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 1681XXXX XXXX XXXX XXXX has 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

Wells Fargo and XXXX accounts are all fraudulent and beed to be deleted I have contacted these companies and no MAN or WOMAN has come forth and validated a debt. 

15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 16 Section 604 2. Consumer reporting agencies can not furnish an account without my written instructions.

These are clear violations of rights. I do not do business with these corporations and no MAN or WOMAN has said a debt was due
Product: Credit card or prepaid card

AppleCard, Goldman Sachs Bank received payment on the XX/XX/2023 via the electronic-funds Transfer act in a form a of a 1099 A. The liable party, their Indenture Trustee receive the 1099 A, on the XX/XX/2023, he is responsible for my accounts notes. The Company and XXXX XXXX XXXX accepted the an over-payment of {$30000.00} certificate of indebtedness on the XX/XX/2023, covering the owed amount - {$2700.00}, however my account has not been reflected. Reference Number XXXX INDENTURE TRUSTEE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX Furthermore, Goldman Sachs has suspended my account which is in direct violation of 12 CFR 226.10 - Payments. Which is specified in the terms and condition that they accept nonconforming payment.

( 4 ) Nonconforming payments- ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statemen
t, requirements for the consumer to follow in making payments as permitted under this 226.10, but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt.

PER THE LAW they have 3 days to conform. 

The Company also violated the XXXX XXXX Compliance, by reporting to third- party, Non-affiliated reporting agencies such as XXXX XXXX XXXX XXXX XXXX. In addition, they violated 12 CFR 226.11 - Treatment of credit balances ; account termination.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$260.00} XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$100.00XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Balance {$710.00} XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second dispute attempt to have these miscellaneous accounts from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. Intend to pursue litigation in accordance with FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 ; the  items below are not accurate and fraudulent 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.
Product: Credit card or prepaid card

I am researching a potential class action lawsuit against Barclays Bank Delaware involving Fraud, Unjust Enrichment, NY GBS 349 Deceptive Business Practices, and several other federal statutory claims. Please help me obtain the contact information of Barclays ' regulator. I would like to confirm some information with their regulator.
Product: Debt collection

Got text from stepdaughter XXXX shared info with her i dont know how they got her number i never filed or used her name for amything my old name XXXX I call number they act strange
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/2020
Product: Debt collection

TO THOM IT MAY CONCERN, I AM AT A LOSS FOR WORDS ON WHAT I JUST EXPERIENCED. I RECEIVED 3 CALLS WITHIN A COUPLE HOURS FROM PHONE NO. XXXX. I CALL THE NUMBER BACK. A WOMAN BY THE NAME OF " XXXX XXXX '' ANSWERED AND STATED THAT SHE WORKS FOR " XXXX XXXX XXXX '' AND THAT IF I DIDNT PAY A CERTAIN OLD DEBT ( THAT WAS RESOLVED YEARS AGO FOR IDENTITY THEFT ), SHE WAS GOING TO HAVE THE SHERIFF COME TO MY WORK AND ARREST ME TODAY. I TRIED TO EXPLAIN THAT THIS WAS NOT RIGHT AND I NEEDED TO SPEAK TO A SUPERVISOR. SHE SAID SHE WAS THE SUPERIVOR. WHEN I ASKED AGAIN THE NAME OF THE COMPANY, SHE HUNG UP THE PHONE. I CALLED BACK AND THE SAME WOMAN PICKED UP THE PHONE, BUT CHANGED HER NAME TO " XXXX '' ... AFTER HEARING THE NAME CHANGE, I ASKED HER " DID YOU SAY YOUR NAME WAS XXXX? '' SHE HUNG UP ON ME AGAIN. I CALLED 3 MORE TIMES BUT THIS TIME NO ONE ANSWERED THE PHONE. I THEN USED MY OFFICE PHONE NUMBER TO CALL. THIS TIME A DIFFERENT LADY ANSWERED THE PHONE ... I EXPLAINED TO HER THAT I WAS JUST THREATENED AND HUNG UP ON. I THEN ASKED HER TO PLEASE PROVIDE ME INFO OF HER COMPANY, AND SHE HUNG UP ON ME TOO! BY THIS POINT, MY BLOOD IS BOILING. I WAITED AN HOUR AND CALLED AGAIN. THIS TIME A MALE ANSWERED THE PHONE ( HIS ALLEGED NAME WAS " XXXX XXXX '' ) ... HE TOLD ME THAT I NEEDED TO PAY WITH A XXXX OR XXXX FOR THE {$810.00} DEBT OR ELSE THE COMPANY WAS GOING TO TAKE A JUDGMENT OUT AGAINST ME FOR FRAUD AND BREACH OF CONTRACT ... AND THE SHERIFF WAS GOING TO ARREST ME TODAY. I TRIED TO PLAY DUMB SO THAT I COULD GET MORE INFORMATION. HE TOLD ME THAT HIS COMPANY 'S NAME WAS " XXXX XXXX '' ( DIFFERENT THAN WHAT THE 1ST LADY SAID ). WHEN I ASKED HIM WHERE HE WAS LOCATED, HE GOT ANGRY AND SAID " LOOK DO YOU WANT TO PAY THIS NOW OR DO YOU WANT TO GO TO JAIL '' ... I SAID YES I WANT TO PAY BUT I NEED TO KNOW WHO I AM PAYING ... SO I ASKED AGAIN WHERE THE COMPANY IS LOCATED ... AND THEN HE HUNG UP ON ME!!! PLEASE PUT A STOP TO THIS EGREGIOUS AND OUTRAGEOUS FRAUD! I CAN NOT BELIEVE THIS JUST HAPPENED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending letters to TransUnion every month since XX/XX/2021, addressing inaccurate information/accounts. Since my initial dispute letter in XX/XX/XXXX, I've subsequently asked for Method of Verification, I've done Factual Disputes with attached proof of everything for my disputes - to include copy of emails from XXXX XXXX XXXX CEO stating account could not be located, proof that I placed a freeze on all third party reports, proof that TU is reporting differently than XXXX  & XXXX. I've also addressed and attached proof that TransUnion continues to report an account that was deleted by the other two CRA. With each letter sent, I attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately & that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting. That they're also supposed to provide me proof of how they got the information, steps for their investigation. Repeatedly they cite verified without providing proof if how or where they get supposed verified information. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty. TransUnion is blatantly violating several sections of the FCRA. I demand that TransUnion delete any and all derogatory remarks on my report pursuant to USC 1682 b ( 2 ). Furthermore, I feel they should be sanctioned for violations of the FCRA sections 609, 611 & 623.
Product: Credit card

Due to XXXX misconduct, even though I was totally quiet, I was accused of not being calm merely because I asked for a supervisor. I was told that because the representative was from XXXX too I just needed to be quiet and I did not have a right to speak to a supervisor. I was then hung up on as if I was low XXXX XXXX who had no right to even be able to ask to speak to a supervisor. Ive never felt so dehumanized until Citi Bank dabbled into discriminatory misconduct.
Product: Credit reporting or other personal consumer reports

Experian has listed the XXXX Account # Number ( XXXX ) as a negative account on my credit file for over four years and in confluence with XXXX, both as " Furnishers of Information. '' with XXXX willfully and unlawfully acting in measures directly opposing CFRA guidelines and citations, as well as, choosing themselves as " XXXX 's '' of final determinations based in federal law, without the capability of discerning objectively their substantial lacking. The XXXX representative who responded to my prior CFPB complaint, and the " esteemed '' investigative committee tasked with compiling information for response in answer to my declarations, were proficient in their inability, even as a " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX '', to possess the capability of objective self-awareness, yet astonishingly advanced in your exemplification of lacking humility, as the quote goes, " It is unwise to be too sure of one 's own wisdom. '' While I appreciate your self-attestations, be it on tax law or investigative prowess, you vastly overestimate them. You would better serve in your role as a representative for XXXXXXXX XXXX XXXX, as well as your investigative team, in being XXXX for XXXX on ancillary issues and responding to the declaration by myself as a statement of fact, as XXXX XXXX can now advise you, that I filed reports of fraud " as a result of identity theft '' while being a cardholder in XXXX, for which every CRA, inclusive of Experian, blocked all credit accounts. It has been requested, attached to " Notice to Furnishers '', that you remove the XXXX negative account under XXXX guidelines. Your subjective commentary and ill-fated threats are not at issue, just the law.
Product: Debt collection

I would simply like to know how Wells Fargo justifies the demand letter sent on XX/XX/XXXX, and the attached call recorded on XX/XX/XXXX when there had been no decision on the PPP loan forgiveness review until today XX/XX/XXXX, and no decision letter sent til XXXX of XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

First of all I went to the ER with chest pains. I was told I needed observation over night. All this added up to a huge bill in the end but instead of sending a single bill ... I was hit with more than 5 split up Bill 's  which are harder to deal with for one you arent sure the direction it came from and exactly who you owe and for what. After giving my ins. Co.any time to pay which didnt help much because there is a HUGE deductable which I dont understand because I pay a huge amt each paycheck for the ins. For it not to help me much. I gathered the Bill 's and attempted to set up monthly payments for those I could not afford to pay In full. Only later finding out that I'd have to contact each one each month because they wont set up a way to pay automatically each month. Well.. since i missed a month i was turned over to collection agencies. Most handled my payments correctly and agreed to accept whatever i could pay except for this one company. I told the lady when she called i would like to set up payments but she told me i had to pay it in full or th here was one other option. I could pay half my bill up front then pay monthly but the half I pay up front does NOT come off the bill. I told her that was crazy! Nobody in their right mind would agree to this and I'm really trying hard to pay my debts. She said if you dont do this it's going into litigation or something of sorts. 
I'm paying the hospital alone over XXXX and they accept payments. This company I owned less than XXXX and they wont accept a payment. I'm also saying other Bill 's out of my pocket at the same time because every part of the bill was split up! Insurance is a joke! You pay out the wazoo and still owe everybody! If I was on government healthcare I wouldn't even have a deductable or a payment! It's not fair! Anyway.. the company is called XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX MS. XXXX Bill amt. XXXX. 
Thank You.