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

I have closed accounts on my credit report that I did not authorize : XXXX : XXXX XXXX # XXXX - XX/XX/2021 XXXX XXXX # XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX # XXXX - XX/XX/2021 XXXX : XXXX XXXX # XXXX - XX/XX/202XXXX XXXX  : XXXX XXXX # XXXX - XX/XX/2021 XXXXXXXX XXXX  # XXXX - XX/XX/2021 XXXX XXXX  # XXXX - XX/XX/2021
Product: Credit reporting

I have a collections account on my Equifax credit report that is incorrect. I disputed an account back in XXXX of 2016 ; from a company by the name of XXXX XXXX XXXX XXXX XXXX XXXX The account was removed on XXXX XXXX, 2016 because the company failed to verify the account or provide any contracts that I may have signed with them ; because I do not have a contract or agreement with XXXX XXXX XXXX, XXXX The account has since been added back to my Equifax report. According to state and federal laws and my rights as a consumer ; I am supposed to be notified within 5 days of the account being reinserted onto my Equifax report. I was not. I was also never given proof of a " verified '' account or contract that I signed with XXXX XXXX XXXX, XXXX Aside from all of the above, the statue of limitations are up on the account for the state of Arkansas and reporting to credit agencies. To go even farther, they are not authorized in my state. This situation is preventing me from being a productive citizen. It makes me look unstable and it is unfair credit reporting of an account that does not belong to me. I would like this item removed from my credit as soon as possible and all information pertaining to me be deleted between myself and the company.
Product: Money transfer, virtual currency, or money service

The one im referring to is PAYPAL hello. i've been using paypal for almost 5months now and this is the first time i in counter a problem with paypal. i got permanently limited due to a sale of unapproved file sharing services. My only purpose of creating paypal account is to add a payment method in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I didnt sell any file sharing services then how is that possible to limit my account for that reason? i tried to see all of my selling history but none of them are file sharing services can you help me to lift this false charge in my account please.
Product: Mortgage

Recently, we paid off our mortgage with Wells Fargo when we sold our home. We were communicated that our escrow funds were going on the XXXX of XXXX. I have not received the funds to date. When I contacted them, they said they hold the check internally for XXXX business days before mailing and could n't confirm when it was in the mail. This seems like they are holding my money to earn more interest in the meantime. I 'm sure it 's not a lot in terms of my loan, but would add up with many others.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX to XXXX I saw a lot of pre- approved on Credit Karma . I did not think much about it at first, but Credit Karma keep sending me all kinds of per-approved advertisements tell me I was pre-approved for Credit cards, auto loans, refinance ets So after a few months of being told I was pre-approved I thought I was now in the perfect place to apply. I got so many offers I started to plan for vacation and investment that I was going to use the pre-approved for.so I applied on or around some time in XXXX and I was denied. I was disappointed, and discouraged. I felt so deceived. I was market to for mounts, credit karma telling me I was approved. This was a lie.I was extremely stressed. I was nauseous for weeks. Bad headaches for months, my XXXX got so bad that I became antisocial, and now any time I see pre- approval I immediately close my phone, shut my computer down, or change the channel. This has made me so uneasy I havent checked my credit as often as I should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. 30 days has now passed and no updates for my investigation results have been received by me.
Product: Credit reporting or other personal consumer reports

Hey after reviewing my credit report I discovered XXXX took place, Im requesting a block be placed on my credit report I tried numerous times to get these account removed Im a victim of identity theft these account was opened fraudulent in my name without my signature Im asking the creditors to provide my signatures and burden proof and sufficient verification that it was me that open these accounts. I want these accounts removed immediately from my credit report Im asking for an investigation of these accounts I have sent my identity theft report via mail once again remove these accounts I have sent to Transunion off my credit report you have XXXX business days to respond if no reply by law its an obligation to remove the listed accounts thanks you. Delete XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has inaccurately reported late payments on multiple student loan accounts despite the fact that these accounts were never late, as they were under enrollment deferment, standard deferment, or hardship deferment. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies, such as XXXX, are required to report accurate information. When I contacted XXXX on multiple occasions to request verification and correction of these inaccuracies, they failed to respond or rectify the errors as required by law. 

Additionally, under 15 U.S.C. 1681i, the credit reporting agencies are obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. Despite my formal requests to XXXX, Experian, and XXXX to investigate these errors, none of the agencies completed a proper investigation or corrected the inaccurate information.
Product: Debt collection

Credit Collection Service closed two accounts in the amounts of {$150.00} and {$310.00} that were on my report in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX bankruptcy ( reference # XXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I was contacted by a debt collection law firm XXXX XXXX XXXXthat I was being sued for a debt. I have never received any noticeof a letter to dispute, just a court date. I attained counsel and was represented on my behalf by counsel. The disposition was judgement for defendant, me.There was not enough and or wrong information to verify debt. I once again been contacted by the law firm stating " you are in default because you failed to enter a written appearance or by attorney the court with your defense. unless you act in 10 days from date of this notice a judgement may be entered against you. '' this letter was received XXXX/XXXX/15, judgement was entered on XXXX/XXXX/15. also letter on XXXX/XXXX/15 from law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking office of XXXX to docket civil action. (? ) XXXX XXXX XXXX and XXXX XXXX XXXX have a long history of making bogus claims against individuals claiming they owe a debt and that they intend to collect by any needs necessary. There is numerous documentation about this law firm and XXXX XXXX to that claim.
Product: Checking or savings account

I received a series of emails from Chime indicating that an account was opened under my name beginning on XX/XX/23, when I was on vacation. 

I called the customer support number on the Chime website and asked to talk to their fraud division. The fraud group told me that in order to close the account, I needed to provide them the last XXXX digits of my social security number, my full name, and my date of birth. 

Since Chime is a technology company and not a financial institution ( as per their website ), I don't see why I need to provide this information that may lead me to further identity theft. For all I know, Chime has employees that are using this tactic to steal this information from consumers.

I would be happy to provide this information to a third party like the Consumer Finance Bureau. Please help make it so that fraudulant accounts can be easily closed.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX I am a victim of Identity theft, my FTC Report Number : XXXX XXXX Equifax has reported XXXX Hard inquiries XXXX XXXX has reported XXXX Hard inquiries XXXX XXXX has reported XXXX Hard inquiries
Product: Vehicle loan or lease

Back in 2005 we got a auto loan from Wells Fargo financial May want to look at our loan we also had a mortgage loan through Wells Fargo financial apparently went they electronically transferred our account to Wells Fargo Mortgage they claim lost a lot of our material saying we are behind on payments fought them for over a year with harassment and foreclosure papers many times stuck to are door very embarrassing so much stress and nasty people to deal with awful experience
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 my brother XXXX XXXX asked me to transfer XXXX to his cash app. He said he couldnt get the money from XXXX. He sent me XXXX through XXXX then I transferred it to my bank then used my cash app debit to attempt to send it to his cash app. The transaction failed and the app said I would get the money back on Wednesday ( XXXX XXXX ) however the money came back to my account at which time he requested the money back through XXXX so I sent him back to him. I'm afraid that some type of fraud may have happend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts 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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 3 collection accounts that do no belong to me. I believe it is because I am a Senior and my son had the same address for a period of time. They are reporting that XXXX XXXX has 3 medical collection accounts with account numbers : XXXX, XXXX, XXXX. 

Experian is not reporting the contact information for XXXX XXXX so I can contact them and ask them to remove it and conduct an investigation so I have to guess who they are and try to find the company. I have never heard from XXXX XXXX and they have NEVER attempted to validate this debt yet Experian just puts it on my report with no notice or way to contact them.
Product: Debt collection

In my previous complaint I sent clear communication of what I need. This is direct contact being that the complaints are sent directly to companies. Since I have already requested my proof of debt to you directly thru the complaint, I will take you response of contact directly as a refusal because again, this is direct communication. And it is monitored. All proof of debt should be responded to this monitored and time stamped complaints. Here is your direct contact. If I dont receive debt validation in timely manner then I will pursue for violation. I am in process to seek legal counsel. Will continue to dispute. There is an option to reply to as well as upload documentation to this complaint. Again this is my second attempt after this Im prepared to seek litigation. All responses / correspondence /documents should be replied back to this complaint.
Product: Credit reporting or other personal consumer reports

I believe FCRA XXXX requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, including inaccurate amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company : XXXX XXXX XXXX, Open date XX/XX/XXXX, used to be XXXX XXXX XXXX Amount : XXXX Opened : XX/XX/XXXX Company is not a legitimate company. A previous dispute of the same amount was removed and deemed not legitimate. Information from the original company was sold to them. This account was also set up for a TX residence. I have proof of residence in LA. All of credit bureau reports have been frozen for years. There is no way a new account could have been opened.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this company and why its reporting on my credit report I have made many attempts to get the validity of this but nothing was provided Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41
Product: Credit card

I have a Citibank Home Depot credit card. I recently paid off my balance and a WEEK later, the payment had already cleared from my bank and I went back to the store to make another purchase and my card was declined. I called the company to see why since I had only tried spending {$60.00} and my available balance on my card was {$500.00}. The customer service person said that my account was put on hold because I made more than the minimum balance with my payment. After arguing with the person on the phone they finally allowed my purchase to go through and said the hold would be removed in two day. Today I went back to the store ( 2 days later ) and tried to make another purchase. The card was declined yet again and the Home Depot worker called and the lady would not allow a purchase becaus the card was STILL on hold and they " may '' take it off hold tonight. I am going to call the company and make a complaint with them as well but I know they will not care because the ladies at Home Depot said this happens all the time. This is absolutely rediciulous. I 'm never late on my bill and should not be penalized because I paid off my balance.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a call from the number XXXX XXXX XXXX XXXX and the caller posed themselves as Chase bank collection department. They claimed I haven't paid an outstanding balance amount of {$120.00} for my Amazon account. I know I have none and contacted Amazon who confirmed my clear of debt status. I called that number back and told them I had no arrears.. They said I owe that amount of money to which I replied I would contact fraud investigation services
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this with Equifax. Someone opened a card in my name from XXXX. I have disputed this with all 3 bureaus. All of them have erased the fraudulent information except for Equifax. The last complaint I sent, they said they would look into it. They sent me an updated credit report a few weeks ago stating that the information wasn't on there. And this morning they stated that the information was updated and mines. Again, how are they verifying the information, when the the credit card company itself is saying it was a fraudulent account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in MyFico and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am submitting this complaint myself and attached a copy of my Drivers license and Social security card, to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and reported inaccurate information being reported, my payment and balance history is missing from each credit report I purchase and receive for free. This report also, neglects to report on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XX/XX/XXXX & included in Judge 's discharge. Correct. Ditech buys mortgage in XX/XX/XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XX/XX/XXXX where there involvement did n't start until XX/XX/XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & Ditech accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake Ditech refuses to correct.
Product: Credit reporting or other personal consumer reports

Wells Fargo has my pas credit card account that defaulted listed as written off. When I called to get my 1099 for the write off they reopened the account on my credit as open.