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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00}
Product: Mortgage

MY NAME IS XXXX XXXX, XXXX EXECUTOR FOR THE ESTATE OF XXXX XXXX # XXXX wells fargo servicer has repeatedly stone walled any attempts by me to access their policies and programs related to regulation z dodd frank successor- in-interest. I am the heir and successor-in-interest to property left to me by my mother. I have contacted wells fargo numerous times about being placed on the mortgage loan and allowed to make payments they have continued to try and force me to do a modification, refinance or assumption. i have provided them with documents from the CFPB that explains the successor-in-interest, they have ignored this information and continue to try to subject me XXXX.. I am asking CFPB to demand/command wells fargo explain why they say these policy and procedures dont exist.They have caused a significant financial burden and lost of time trying to deal with a organization that intends to wait me out and foreclose on this property. My complaint is simply that wells fargo is using lies and deception to steal my property. refuses to acknowledge regulation z/ successor-in-interest XXXX rules regulation as of XXXX/XXXX/2014 says there are no procedures for anything from the CFPB, SAYS THEIR LEGAL DEPARTMENT has no such knowledge of any federal legislation
Product: Checking or savings account

On XX/XX/XXXX I placed a three-way call to Capital One Bank having XXXX XXXX XXXX put the call through. I lost my credentials and my phone I explained that to Capital One Bank and verified my account balance of over {$10000.00} in my savings account. I placed a lock on my savings account and credit card account. In XXXX of XXXX  I realized that XXXX XXXX XXXX transferred all my funds plus over XXXX out of XXXX XXXX XXXX XXXX account into account that she started with Capital One ending in XXXX. I notified Capital One of this and they explain to me what to do and what documentation to send in. In closed you will find some of the documentation that was sent in to Capital One Bank, I provided all the information that they requested then they kept asking for more. I even went as far as putting XXXX XXXX XXXX XXXX on my account as a POA and after completing all the paperwork they said everything was good but for security reasons they could not add him. So as of this date I still do not have access to either one of my Capital One bank accounts. I can not even request the paperwork to be sent to me to give to the local law enforcement. XXXX XXXX provided Capital One with a terminated and falsified power of attorney. Enclosed is an affidavit stating that XXXX XXXX XXXX knew that that power of attorney was terminated in XXXXXXXX XXXX XXXX Capital One failed to do their due diligence when approving this power of attorney.
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 listed below : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2023 CREDENCE RESOURCE MANA showed up on my credit file. Stating that I owe an alleged debt of {$200.00}. I never got any correspondence from this company before having them appear on my credit report. I just woke up one day and they were reporting. CREDENCE RESOURCE MANA is in violation of the validation of debts ( which is codified at 15 us 1692g ) because they never sent any correspondence to verify that I owe the debt or to allow me to depute the alleged debt. I don't know who this company is or where they came from. One thing I do know is they are practicing abusive business practices and harmed my credit file. Since they fraudulently reported on my credit file my credit file has been damaged by a total of XXXX points.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello I am complain against PayPal they close my account and they dined my all the disputes, I have not received the item from Seller and she blocked, after when I open a dispute now PayPal close my account they did not help me to get my refund, I also share a screenshot, Please help me to get my refund because it is my very hard earned please help me to get my refund from XXXX XXXX. 

4 disputes each XXXX $ amount. 
I ordered these pairs in XXXX but I have got nothing from the seller, she asked me first for more payment when I refuse they blocked me. 

Please you can contact to PayPal to help me to get my refund. 

Your help really appreciate Thank you XXXX XXXX
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. 
Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Acct Name : XXXX XXXX # XXXX Acct Name : XXXX XXXX XXXX XXXX Acct Name : XXXX XXXX # XXXX XXXX  XXXX : Acct Name : # 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 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 I request all late payments be removed from my consumer report also, pursuant to 15 USC $ 1681a ( 2 ) ( A ) ( i ), which states the term " consumer report '' does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX  andXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated that the account below has been updated and verified which i dont understand why if this is incorrect because a charged off account cant be reporting as past due and i clearly see XXXX past due, also they are reporting late which is illegal i need this removed
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obligates us to eliminate any incorrect accounts from my credit report. Can you please examine the documents? Some of the listed accounts inaccurately reflect the reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified multiple inaccuracies in how this account is being reported. This account is paid, current, and no balance is owed. It is incorrectly reporting as CHARGED OFF under payment status, and the comments/remarks reference a CHARGE-OFF. Additionally, the account status is being reported as derogatory, which is false and defamatory. This misrepresentation must be corrected immediately. 

Account Name : XXXX XXXX Account Number : XXXX Balance : XXXX The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : I. Defamation of Character II. Negligent Enhancement of identity Fraud III. Violation of the Fair Credit Reporting Act IV. Violation under 15 U.S.C 1681o civil liability for negligent non-compliance V. Violation under 15 U.S.C 1681n Civil liability for willful non-compliance VI. Failure to comply with 15 U.S.C 1692 ( g ) VII. Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports VIII. Violation under 15 U.S.C 1681i- Method of verification IX. Violation under 15 U.S.C 1681a- Right to privacy X. Violation under 15 U.S.C 1681c- Requirements relating to information contained in consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment history reflects missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were missed due to my diagnosis of the XXXX XXXX, which placed a burden on my health and finances for the year XXXX including having to attend physical therapy. 

Since then, I have paid my account balance down to {$0.00}. This company refuses to remove the late payments sustained as a result of XXXX. Although this company is not obligated to forgive any of my discrepancies, as a consumer I expected a little bit of leniency while facing the epidemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening here that my concern was not attended by Equifax and XXXX!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report
Product: Debt collection

This debt was wrote off and paid. I have no contract with this company and do not owe this debt. I requested verification and received nothing
Product: Debt collection

This loan was sold to XXXX XXXX who in turn sold it to XXXX XXXX XXXX. I reached a settled with XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX had paid {$2100.00} last payment on XX/XX/XXXX of {$600.00}. 

I have been monitoring my credit since then to see if this will be reported to the credit bureaus and it still hasn't. I have filed several disputes with the credit bureaus and nothing is been done. On XXXX XXXX, I called XXXX XXXX services and Cash Central and no one wants to take ownership to resolve this. 

The same day XX/XX/XXXX i sent out registered letters to Cash Central XXXX XXXX XXXX and XXXX XXXX XXXX and the post office has been unable to get them signed because either the business doesn't exits or no one wants to sign them. USPS tracking numbers XXXX, XXXX and XXXX. 
I want this is resolved. I also have a letter which was sent to me by XXXX XXXX about the settlement and stating the debt is paid as agreed. I want this reported to all the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX, XXXX XXXX TN, XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$8100.00} XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times do I have to tell the Experian Credit Bureaus that they are reporting a different information compared from the other Credit Bureaus. The references for the late payments of this account is erroneous and is leading to a negative impacts on my Credit Report. This account is only reporting as late on Experian and had corrected from the other Bureaus. The Experian credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. By submitting this complaint, I am reminding the Experian Credit Bureau they are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that Experian would take their time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. 
1. XXXX XXXX XXXX XXXX Balance {$1700.00} Date opened XX/XX/2014 2014
Product: Credit reporting or other personal consumer reports

I am writing this complaint to Equifax regarding the inaccurate information that's reporting to my consumer report. The creditors reporting the accounts and information its a violation of my right to privacy in which I never gave them consent to purchase nor share my personal information with anyone. I am asking Equifax to investigate and remove any account that doesn't belong to me. 



Violations committed by Equifax and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am a consumer that been through a tragic experience that has left my credit damaged and my private information is in jeopardy. My SSN is ( Private SSN ), My DOB is ( Private DOB ). I have 2 police reports ( please see attached pdf ). One about the XXXXXXXX XXXX ( XXXX XXXX Police Department Event # XXXX ) and one report dated XX/XX/year> about the fraud ( XXXX XXXX Police Department Event # XXXX ). I have also filed an FTC report ( # XXXX ). This individual has been arrested but I am left with the damage he has done to me mental, physically, and financially. 
The CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that you, Transunion credit reporting agency , block information that appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of number accounts. This is unreal! 

The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also numerous fraudulent inquiries. I have attached a copy of my FTC complaint and both of my police reports. Along with my dispute that I found online. The aforementioned accounts, collections, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of identity theft and fraud. Theft Criminal Compliant and Battery # ( case numbers above ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection, and hard inquiries associated with these fraudulent accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX  awarded funds to XXXX for my electric account. XXXX added it to my account then months later took the credit back and made my account negative. They told me they applied the credit to the account on accident and it wasnt meant for my account. This resulted in me owing them the credit plus more for months i thought i didnt owe because of the credit being on the account. Then they sent it to collections and then it went on my credit report
Product: Credit card or prepaid card

In a consumer credit transaction, I the beneficiary asked for a {$100000.00} dollar credit card, and an {$150000.00} dollar auto loan, both of which I was denied, mentioned several factors for denial, but none of which are a determining factor, because I am the original creditor and bank of america as a trustee has a fiduciary duty and obligation to put the beneficiary interests above all else, and extend credit when requested, 15 USC 1611 15 USC 1602 ( l ) 12 USC 1431 12 USC 408 15 USC 1681 FEDERAL RESERVE ACT-APPLICATION IS THE COLLATERAL
Product: Credit card

Hello, I have been an AMERICAN EXPRESS card holder for many years. Recently, I received with appointment my statement showing an annual fee. I have other credit cards with no annual fees and same benefits so i decided to close the gold XXXX  credit card ending on XXXX. AMEX stated that the fee is for the 2024 year, and they wanted it cancel by XXXX XXXX. I cancel it as soon as i could on XX/XX/XXXX, i had XXXX balance. upon closing the account, AMEX refused to refund the annual fee for YEAR 2024 ( {$99.00} ) not only that, but they intent to charge me late fees and interest fees for a fee unfairly charge to my account. AMEX is threatened to RUIN MY CREDIT SCORE IF I DON'T PAY THEIR FEES.

AMEX is charging {$99.00} to clients who cancel the card regardless. They don't believe in prorating the annual fee or so.

AMEX unethically charge me an annual fee but I had canceled the card and will not use it in 2024!! 
Don't charge customers for something they don't use.