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

On XX/XX/XXXX, I had trouble using my pin to temporarily unlock the credit freeze on my Experian account. I had the pin number, but in spite of repeated tries, the pin number wasn't being recognized. I made a total of XXXX phone calls to Experian to XXXX different phone numbers ( one given to me by the utility company and two that I found online ). Each time I was connected to an identical automated system. Sometimes the system did not recognize the numbers I entered on the keypad of my XXXX. Sometimes it did not recognize my voice. When I was able to get past the identification portion of the call, it sent me down an endless rabbit hole of automated options. When I asked to speak to an agent, it said it was " connecting to a XXXX '' and then began another round of automated options. I was never able to reach a live person. Finally on the third or fourth try, the website DID recognize my pin number ( which I was copying and pasting, not typing in, so it wasn't a question of my typing it incorrectly ) and let me temporarily unfreeze my account. 

It should be illegal for a company that exercises almost complete control over whether I can open accounts, move my utility services, etc., to make it impossible to reach a live person.
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 XXXXXXXX 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 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section XXXX A. States : I have a right to privacy. 
15 U.S.C. 1681 section XXXX A section XXXX. States : A XXXX XXXX XXXX can not furnish an account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( XXXX ) States : XXXX XXXX XXXX XXXX may make any XXXX Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681's-2 ( A ) ( XXXX ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are a few inquiries that I do not recognize Please can you remove them from mine? 

XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX  ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/2022 2022
Product: Money transfer, virtual currency, or money service

I was contacted by a hacked email from my college for a job opportunity and was told to send money for materials which I would be later reimbursed. I send a total of XXXX dollars on XX/XX/XXXX and received 2 fraudulent reimbursement checks. I sent another total of XXXX on XX/XX/XXXX and received 2 more fraudulent checks from them. The checks have bounced and I have no money in my account now. I tried contacting Wells Fargo for a refund on XXXX transfer but they said I wont get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested via certified mail and green return receipt, a reinvestigation of this inaccuracy of an account being reported. Ive requested that all documentary evidence used to validate this account be provided to me. 
Pursuant to 15 USC 1681e Equifax and XXXX failed to comply with federal law. 
Instead of updating this account accurately to paid in full, both CRAs have stated that the creditor has verified the reporting status of this account. I am the original creditor the only person who can validate any allegation.
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to you today to address a grave issue that has recently come to my attention. My identity information has been stolen, and it is being used to sign up for unauthorized PayPal accounts. I am writing to report this issue, and I hope that you will take immediate action to rectify this situation. 

I would like to start by stating that I only have one PayPal account, which is registered under the email address " XXXX '' and phone number " XXXX ''. I detected unauthorized access to my PayPal account on Fri, XXXX XX/XX/2022, and I immediately reported this to PayPal. I take my security seriously, and I wanted to ensure that my account was safe from any malicious activity. 

I am now asking PayPal to investigate the unauthorized creation of PayPal accounts using my stolen identity information. If it is found that these accounts have been created without my consent, I request that the permanent limitation on my account be lifted. I am currently using a VPN to access my PayPal account as I am not in the US, but I would be more than happy to provide my real location if PayPal requests it. 

I would like to emphasize that this situation has caused me great concern, and I hope that you will take the necessary steps to ensure that my account and personal information are secure. I appreciate your attention to this matter and look forward to hearing back from you soon. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within 15 days. Attached are the relevant documents for your reference.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against the three bureaus regarding to the incorrect information on my credit report. These wrong information on my credit report are severely affecting me. I would like to request that these wrong information be removed from my credit report. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them.
Product: Checking or savings account

In the midst of the pandemic my boss took over the payroll duties temporarily. He made out my payroll check for {$2900.00} However in the description line he wrote XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. He did not notice the error and I did not catch it, I mobile deposited the check and it went through the drawn on bank. Citibank subsequently froze the account from the XX/XX/XXXX deposit to investigate. They determined that even though they could find no evidence of fraud they decided to close the account as well as my savings and I was informed that this would take place in 60 days. After numerous phone calls and stalling by them and statement notification of closure as of XX/XX/2021 I have still not received my funds of {$5700.00}. There has been more than enough time for this bank to refund my money. I have called and been promised and lied to non stop. I want this practice of freezing accounts and withholding of funds to have accountability by regulators and investigated as discriminatory since by anectdotal accounts by others- XXXX XXXX XXXXXXXX and XXXX sounding surnames are disproportionally affected by this practice. I will be more than happy to testify against Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint with Experian Credit Report Bureau. Because the Texas Higher Education Board reported XXXX loans on my credit as being late more than 30-days. The thing is that I had all my loans deferred while still in school and XXXX XXXX. I first reported to them and they agreed that it didn't make sense but never did delete it or report the change. So we informed Experian. We feel that Experian did not investigate properly and do their dudiligence of deleting this misinformation. If they would have done the research, they would have seen that all the loans were grouped together and there is about XXXX. XXXX XXXX of them reporting late does not make any sense. If they are grouped together in my payments, they would have all been late together. There has never been any payments on these accounts because they have always been deferred. The information is incorrect reporting and I need it to be deleted.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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  Attn : Supervisor Subject : Request for Removal of Fraudulent Accounts and Inquiries Date Created : XX/XX/XXXX Dear Supervisor, I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit profile. These entries were made without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries are fraudulent, inaccurate, and should be removed from my credit profile immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 


These accounts and items were not authorized by me and are fraudulent. I have no knowledge of their existence or activity. 

I have attached and uploaded the following documentation to support my dispute : Copy of my government-issued ID Copy of my Social Security card FTC complaint Notarized Affidavit Personal statement letter Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Good day, On XX/XX/XXXX, I opened a Wells Fargo credit card and requested a {$5000.00} balance transfer to pay my XXXX card. When I viewed my account on the Wells Fargo ( WF ) web site it showed deducted from my available credit, but never posted and was then added back to my credit line. I called WF on XX/XX/XXXX to ask about the status of the transfer, I was told it was cancelled and needed to be reprocessed and to go online and resubmit the transfer, which I did..On XX/XX/XXXX, I noticed the initial {$5000.00} transfer AND the 2nd transfer for {$5300.00} were both processed on XX/XX/XXXX, resulting in the account going over limit. On XX/XX/XXXX I called WF and was told they couldnt recall the transfer and chase needed to send the funds back. When I reached out to XXXX, they stated they were unable to and that WF needed to submit a good faith request in order to send the funds back. Today, XX/XX/XXXX, I called WF and advised what XXXX instructed and was told they dont do that and that I NEED TO HAVE XXXX  SEND THE FUNDS BACK!!! They did advise they are aware of an issue thats occurring with balances transfers, but apparently arent taking action to mitigate the issue and putting the responsibility on customers to figure out. At this point, I had to request a credit balance refund so I can directly pay WF. In the meantime, my credit score has taken a huge hit due to the over limit status of the account.to assist with fixing this matter, WF needs to issue credit for BOTH balance transfer fees for the inconvenience this has causedalso any over limit fees need to be waivedapparently WF has not learned from the recent enforcement action and $ XXXX fine. I shouldve known better than to open an account with them.
Product: Debt collection

Hello, I cosigned on a loan for an acquaintance in medical school and now that individual is unfortunately no longer responding to me and I have decided to default in the loan. 

XXXX : I expressly requested via text that the lender not deduct funds from my account XXXX : I was called by TransformCredit to confirm a payment for the collections. I informed the rep that I did not want to move forward continuing these payments, understanding the risk of defaulting. She verified the consequences ( eg litigation, wage garnishment ) and I verbally confirmed and she stated she would remove my bank routing number. 
XXXX : the lender messaged me via email that they would charge my account and to confirm funds. The amount was deducted anyway and I responded on XX/XX/XXXX to request again that they do not continue deducting from my account XX/XX/XXXX : despite the full amount collected ( bringing me out of potential default ) they say I am still at risk at defaulting. At this point debt has been collected. 

I understand my obligation is contractual however I am trying to separate myself from this individual financially. I am so desperate because I can not continue to make these payments. Thank you for letting me submit.
Product: Payday loan, title loan, or personal loan

I wanted to payoff loan and showed balance of XXXX. I went to the local store to payoff and they were charging me over {$100.00} more than the balance owed. I called the following day to corporate office and still had to pay over {$100.00} to close the account but was still less than what the local office was charging and it was said to me if they wouldve closed it the day i had gone the local office the interest wouldve been even less to payoff. Ive been paying this loan for over 4 yrs and have been called to renew several times after I said no! Ive been getting calls to renew and take home {$1500.00} but as I looked back I would have to pay more than triple that amount. They make nearly impossible to payoff and close account.
Product: Credit reporting or other personal consumer reports

XXXX Account reported at {$0.00} but delinquent. Account has been dispute numerous times and ignored by dispute agency. Account has already been removed for fraud from XXXX. Company has failed on this account and multiple others to investigate properly
Product: Checking or savings account

I woke up this morning XX/XX/XXXX with a - {$120.00} balance. I should have not had a negative balance. I had about {$35.00} in my account yesterday when I went out to eat with my friend and I added about XXXX to my account. Anyway I paid for the meal and I should have still had about XXXX bucks in my account. Two items came out that night which were about XXXX. All the deductions that I am showing pending now were already taken from my account. My account shows payments taken out on the XX/XX/XXXX and then it jumps to XX/XX/XXXX. That doesn't make sense. The days that I made the different charges I saw the money pending on my end... which means that money shows as deducted, and therefore I can not spend it. I did call Wells Fargo and they are giving a stupid excuse ... I am not crazy and this is not right and not the first time that I have seen wierdness going on. The explanation from Wells Fargo is not gon na fly. They try to tell you what it should be, but you know what you have paid and when you paid it and when it was taken out of the account. What they show in the account is inaccurate.
Product: Mortgage

I did mortgage re-financing with Bank of America ( BA ) in XX/XX/XXXX. 
The original agreement was that I would refinancing with {$0.00} closing cost but with interest rate slightly higher than the current market rate. BA did not stick to our original agreement. I was tricked into signing the loan, but at the end decided to pay it off completely ASAP. The new mortgage was paid off completely in XX/XX/XXXX. BA inappropriately withdrew money from my checking account at least on XXXX occasion. 
Originally the refinancing date was scheduled for XX/XX/XXXX. BA was very eager to do signing in XXXX. When I confronted them with the evidence that they where charging me extra origination fee, they lowered the closing fee, but unexpectedly moved the signing date to XX/XX/XXXX. The reason they said was I was supposed to receive appraisal report before signing. On the signing date in XXXX, I still did not have appraisal report from them. In fact it was not even mailed to me. At the same time XXXX withdrew {$1000.00} of previous mortgage payment, which they would not have done had we signed the refinancing in XXXX. As a result BA ended up charging me extra {$1000.00}. 
Multiple requests to explain what happened and return the money gave no results. 

In XX/XX/XXXX, the remaining principal balance on the mortgage was {$1200.00}, while the monthly payment was {$1200.00}. The accumulated interest form the month of XXXX was ~ {$4.00} ( 4.25 % annual interest on the loan ). Thus I was expected BA to withdraw {$1200.00} and close the loan account. Contrary to my expectation BA withdrew {$1200.00} and failed to provide any explanation of why that happened and when I will get the difference ( {$56.00} ) back.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I requested for the XXXX XXXX XXXX XXXX to be discontinued because I was moving from the property for which I utilized services from XXXX. I returned the equipment to a XXXX store of which was received by an employee. Four months later the store manager contacted me to pick up the equipment stating that a new employee had accepted it in error. However no further information was provided on how to return the equipment late XX/XX/year>. On XX/XX/XXXX we received notification from a lender for which I was obtaining a loan to cover expenses, that the final approval of the loan was denied because XXXX had reported a delinquent account to the credit bureau. Up until this point we had received no notifications in the mail regarding this account. When I contacted XXXX they would not speak with me and transferred the call to XXXX XXXX who was not helpful other than to suggest I send an email regarding the matter and or pay a settlement amount. The entire debt was in reference to the equipment of which we had returned back in XXXX but was returned to me four months later. Upon speaking with a supervisor within XXXX ( XXXX ) on XX/XX/XXXX he advised that I should go online get the shipping label and return the equipment of which was the first that I have been advised. I returned the equipment and have a receipt. The item is reporting as a cellphone which it is not, it was a home internet device for which we used internet 5g. Additionally the equipment was returned prior to reporting and it was their employees error which caused the delay in XXXX receiving their equipment back. And because of this reproting it has placed my family in a hardship situation particularly since we were recently affected by the wildfires in California. Our request is that XXXX remove the inaccurate reporting from my credit report. The equipment has been returned and it was never a cellphone type of account.
Product: Mortgage

Fifth-Third bank had sent me a letter ( attached ) demanding that l sent to them the sum of {$1800.00} to update my loan file and bring it current by XX/XX/2017. l complied with the request, sending in {$1900.00} not minding that the company has no basis for their demand because l have series of payments in the amounts of {$430.00} ( usual mortgage payment for {$420.00} PI and additional {$9.00} for principal reduction ) and {$500.00} ( escrow ) sitting unapplied on my accounts. WhatThis check was returned to me with letter ( attached ) saying that it was not enough to off my loan. had happened was l was late on my taxes and the bank paid it but when l started getting more than double the amount of my mortgage because of this escrow gauge, l had called and spoke to one of the reps who told me if l wanted to pay off the escrow, all l needed was to bring in about {$3400.00} once. Also when l got this letter l had called the number given to me on the letter over and over and could not get connected. l made frantic efforts to reach the customer service number XXXX, up to 4-5 times, none of the people l talked to could help me either. Sometimes, the machine will attempt to connect me to the right department but it did always end up cutting off ( dropping ). Frustrated, l took my case to the branch where XXXX ( XXXX ) told me the escrow balance was {$2400.00} and I gave him the check right there to pay it and advice the right department to apply it to liquidate my escrow. This is in addition