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

In accordance with the Fair Credit Reporting Act. The account listed under my credit report as US DEPARTMENT OF EDUCATION has violated my federally protected consumer rights to privacy, as well as my confidentiality under 15 USC 1681. 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : US DEPARTMENT OF EDUCATION 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 : 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 ( s ) containing any of the following items of information. Any other adverse item of information other than records of convictions, of crimes, which antedates the reports by more than seven years.

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

Experian, XXXX, and XXXX have reported I have a overdue balance on this account for 39 months. They then sent this account to collections without my written authorization or consent. The collections agency then continued to report this false information on my credit report history, negatively affecting my credit health to creditors, and third party companies. 

This inaccurate report of my credit report, and history from Experian, XXXX, and XXXX of the balance and lack of payment has permanently, and negatively reduced my credit score for many years due to false reporting, inaccuracies, and these three agencies in question are responsible.

These inaccuracies are preventing my ability of receiving higher credit scores, better funding opportunities for home loans, car loans, and overall improving my credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card

I ordered a tool from Home Depot and returned it via XXXX XXXX/ as per home depot I never got a refund and I filed a dispute with Apple Card back in XXXX XXXX times the dispute was denied I have all receipts showing my order went back to Home Depot this return is cut and dry apple Goldman are reversing the dispute when I know and have all documents showing the return is complete. This company is shady
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year>
Product: Mortgage

Already submitted complaint via phone. XXXX says they did not receive payment, but I have proof of payment. Nearly impossible to get live person on the company phone. My credit has been impacted and late fees need to be removed.The Loan # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is wrong on my credit reports and it is causing some issues with my verifications. My name is spelled wrong a few time the only name on my report should be XXXX XXXX no other name or variation should be there please delete remove any other spelling. My only address that should be on my report is XXXX XXXX XXXX XXXX OH XXXX. Please remove any other address. I was compromised and I need to protect the integrity of my credit profile. My DOB XX/XX/XXXX My SS XXXX. Please remove any other date of births of SS numbers. Please delete the following numbers they are not mine at ALL 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 two accounts that are not correct on my report XXXX/XXXX # XXXX error please delete this account should not be listed. XXXX XXXX XXXX # XXXX please delete this account it is a error as well never verified. XXXX XXXX XXXX # XXXX account is reporting an account that is not late at ALL please delete. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, at XXXX I had got an alert from XXXX XXXX XXXX Experian XXXX and XXXX XXXX my accounts have been compromised internally. My information has been stolen and there are so many different accounts opening up.
Product: Bank account or service

My complaint is focused on Wells Fargo Wealth Management-Trust Department. 
My mother has a trust setup by her Mother in the 1920 's. 
My mother is now XXXX and is not focused on financial issues at this point in her life. She only expects an adequate income to make ends meat from an instrument set up to supplement her income for her later years. 
Wells Fargo has been the corporate trustee on this account for decades. About 15 years ago my brother and I were not happy that there was no account servicing of her trust. No one ever called to ask how she was doing or go over her situation. Her portfolio was in growth stocks and she needed income. We scheduled a meeting to discuss our issues. Representing her in this meeting my brother and I asked pointed questions.Why has there been XXXX communication? Why these growth investments for an elderly lady? Why so little income? Why so many investment managers? 
After silence the management team promised to adjust her portfolio and follow-up. The result of this conversation was a slight increase in dividend income. 
Fast forward 15 years and my mother now has no significant other with the means to financially support her. In the meantime, cost of shelter and goods keep on rising. And during this time status quo on the communication. The Bank never communicated with her, only statements. 
Recently we have resumed discussions again and Wells is very reticent to spend time on this. We are being shuffled through numerous wealth managers. And explanations of the new investment direction we asked for are grinding along at glacial pace and are not clearly explained. 
Her account is not large. But, it is an account in their bank. Are n't we who they should work to make happy? We are not XXXX, does that make us irrelevant since we do not help there balance sheet to the same tune? 
In this day and age you here all the marketing talk about personal service from numerous corporations. Well, Wells Fargo has not cultivated this client relationship with acceptable personal service. 
An XXXX Year old woman living by herself, has a fund set up by her mother in the 20 's and a small Social Security income. This income should allow her to live while not having to worry about eating. 

Please keep up your investigations on Wells Fargo and other greedy corporate entities and do not allow business practices that turns it 's back on the average clientele. 
I would not recommend Wells, ever.
Product: Debt collection

I have been harassed by this company they have been making threating phone calls and they have been calling my son and my brother and I have no idea how they got there phone numbers. They have told my son and my brother that if they do n't tell me to call the company that they too will be in trouble. They also without my authorization withdrew money from my personal checking acct.
Product: Mortgage

I have submitted a complaint and you are doing nothing to help me. This company is stealing from people like me on a fixed income and they doubled by interest rate in one month there should be laws against this. I thought you were here to help the consumer but I see not.
Product: Money transfer, virtual currency, or money service

This is my second complaint- Paypal has an abusive practice- has been holding my funds arguing that my account is high risk. 
Paypal replied that the contract that i signed allows them to close my account and hold my money for at least 120 days without paying interest. 
This is a miss appropriation of funds and abusive practice that hides behind a contract in violation of XXXX- it is deceptive and abusive affecting people like me that are not financially savvy and highly vulnerable. 
CFPB should lunch an investigation and a deep investigation to quantify how much money paypal is holding ( without paying interests ) and disparate impact analysis - I am frankly furious and will ot stop until I get my money back.
Product: Credit reporting

I have a Tax lien on my credit report that should n't be on there.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX Late Date XX/XX/22
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account involved in litigation. Please remove until case is resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service these accounts/ inquires being reported I made efforts to remove accounts/inquires from my file as they do not belong to me. These all are fraudulently placed on my file I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. Theyre stating my score is XXXX and I have a serious delinquency. I want to know what the delinquency account is if there is one because I would have definitely paid it. I need to be able to have credit available as needed and will need to purchase a vehicle next year which will cause problems with the interest rate and possibly the purchase.
Product: Credit card

An attempt to transfer a balance of {$6000.00} was made on XX/XX/XXXX from XXXX to Barclays. The transaction went through on XX/XX/XXXX. However, XXXX was never paid the {$6000.00} by Barclays. Reports on this were filed with both Barclays and XXXX. It was later discovered that there was an error in the XXXX account number and that the transfer was sent to the wrong account. Both XXXX and Barclays assured me that this issue would be addressed, and that XXXX assured me that I would not be assessed fees while this was under investigation. I have spoken to both parties repeatedly concerning this issue with no resolve. I now show a balance of {$6000.00} plus fees and interest since XXXX on the XXXX account that should have been paid in full resulting in a XXXX balance and now also a {$6000.00} on the Barclays account for monies they can not account for. Neither bank has been able to find a solution to this balance transfer error and now Im stuck in the middle with double the balance I started with. I spoke to customer relations from Barclays today XX/XX/XXXX. They reassured me that they were escalating this to try to get this corrected but no promises. I do not owe {$12000.00} to either bank. There has to be a way to get this corrected. I have spoken to multiple representatives from both banks since XX/XX/XXXX. My credit score has been affected, and XXXX is trying to collect interest and late fees on an account that should have a XXXX XXXX. I dont know what the solution is, so I am reporting it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I lost my down payment and house I wanted to purchase when the mortgage company I was working with delayed the loan process and would not issue a commitment or denial letter in time to avoid Time is of the Essence penalty.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account XXXX XXXXXXXX date opened XX/XX/XXXX Bal. {$14000.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX Bal. {$100.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I have been an Amex cardholder for over XXXX years. I have always paid my bill on time and in full. I mailed my last payment on XXXX XXXX for payment due XXXX XXXX. I received my bill and was charged {$170.00} in late fees and interest as my payment was received XXXX XXXX. I called Amex and was told there was nothing they could do. I could not figure out how it took XXXX days to go from XXXX to XXXX. They just kept saying they would not do anything to remove the charges. I called again the next day and XXXX told me that I was a valued cardholder but she would do nothing to remove the charges. She told me that I was not a desirable cardholder since I paid my bill in full so they did not make any money off of me. I also have a XXXX Amex so they pay me to use the card in the form of the rebate check. Lastly I was told that I should have considered it was tax season and mailed my payment earlier. So basically it was all my fault and they refused to do anything.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS , L.P. has been reporting, to my XXXX, XXXX  and XXXX  consumer reports, false, misleading and harmful information that has resulted in me being denied for housing and has also resulted in me being denied the ability to grant creditors the right to extend me my credit. SOUTHWEST CREDIT SYSTEMS , L.P. has been reporting that I owe an alleged debt since 2017. They have failed to validate any " debt ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. XXXX received a tax deduction for this charged off account : XXXX but i never received my 1099c form this is tax fraud XXXX has committed. this account is inaccurately being reported to all three of my consumer reports. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries that i didnt inquire about
Product: Credit card or prepaid card

I paid {$160.00} fee for extra piece of luggage for my wife. She was traveling from XXXX, XXXX to Washington DC on XX/XX/22. I paid {$160.00} online. When she checked in, she was told that they " could not see " the charge of {$160.00} I paid at their end. So she paid another {$160.00} for the extra piece of luggage she was carrying. She also paid for another piece of luggage. So I was charged THREE times for 2 pieces of luggage. I contacted XXXX XXXX. They refused to give me credit. I contacted the credit card. They claim the charge is " valid '' and declined to issue me credit. I provided them with my wife ticket number so they can check how many pieces of luggage she traveled with. Still they declined to issue me credit. Please find copy of my statement where I highlighted the 3 charges. you can see 1 was online and 2 were in person. Also I attaching a copy of the credit card response and my letter to them. thank you in advance.
Product: Credit reporting

There are a series of unverifiable items on my credit report that need to be removed asap. It is affecting and impeding my ability to borrow. 

I have attached the letter that I have sent via FAX to the XXXX with the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a collection account on my Transunion report that does not belong to me. The company states that they are collecting on behalf of XXXX XXXX  which I have no account with, neither is there any closed account with this company on either three of my credit reports. I have tried countless times to remove this account and Trans union won't comply with my request for investigation nor explain to me what method of verification they're using to validate this debt being inaccurately reported to my credit profile. According to FCRA, fair and accurate investigations are the rights of the consumers. This inaccurate information is affecting my credit score and preventing me from being able to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account named XXXX XXXX XXXX XXXX is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account should be deleted completely from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account : XXXX # XXXX which is open on my file since XXXX and causing me a lot of trouble on my daily basis. Is reporting information on my credit report that does not belong to me. Ive already tried multiple times to submit a complaint about this identify theft on this account that does not belong to me. It belongs to a person called : XXXX, XXXX XXXX. Who was born on XX/XX/XXXX. Which is completely not my person. Today I received a called from a collection agent trying to collect this debt while I was at work and while trying to confirm my identity she provided me with the information above. 

Also I have reasons to believe someone else was trying to apply for credit on my behalf since I do have inquiries that I do not recognize. I will have them listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached I include a copy of my identity theft report and a copy of my driver 's license for you to confirm my name and birth date. 

Please delete this account and inquiries from my credit report
Product: Debt collection

Transunion, I just looked at my credit report and was shocked to see the numerous amounts of error you listed. I am writing to have you remove them immediately. 

The followings account needs to be removed immediately. Account Name : XXXX XXXX XXXX XXXX XXXX. Account XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX I Reason : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not.