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

After gaining access my consumer report for review, I noticed some unauthorized information on my consumer report that I needed to be removed under 15 USC 1681-3XXXX assumed this role w/out my express permission or consent. Experian did not respect my right to privacy under 15 USC 1681 -4 and they neglected to exercise their grave responsibility. They had no permissible purpose to tamper w/ my consumer reports. They have added fraudulent information that have absolutely nothing to do with me... EVER! I disputed multiple addresses that I never associated with and inquiries that I did not recognize. At this point, they have neglected the duties ( 15 USC 1681 -4 ) that they assumed in publishing inaccurate and unverifiable information after they were notified of the disputes. 

The following was all removed from XXXX and I expect the same resolve. 

The ONLY current & identifying information should read XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX All other variances need to be removed The following accounts XXXX  XXXX - Acct # XXXX Bal {$950.00} - Has been removed by XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Bal {$1900.00} - Removed by XXXX XXXX XXXX - Acct # XXXX -Bal $ XXXX Removed by XXXX XXXX XXXX - Acct # XXXX Bal- {$4800.00} - Removed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bal {$1700.00} - Removed by XXXX
Product: Student loan

I have been struggling for 6 years to lower my payment. They want something over 1000 a month, not only have I not found a job since i graduated but no one wants to hire me because of this college. Its embarrassing. Now they are demanding money.
Product: Credit reporting or other personal consumer reports

There are inquiries on my report that I do not recognize and did not authorize. 

XXXX - 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 XXXX XXXX XXXX XXXX
Product: Mortgage

This is the letter I sent to them XX/XX/2020 which explains my problem with them. 

XX/XX/2020 Caliper Home Loans Re : Loan # XXXX Re : Refinance Loan # XXXX Dear Caliper, This is in regard to a Loan Refinance we were offered XX/XX/2020. I was told we qualified because we had not been late for over a year. Interest rate would go from 4.75 to 2.75. Great. 
What this refinance would do is not only give us a mortgage payment of {$500.00} less per month but would also give us a free month before our first payment. Because of the Covid19 Virus prices and expenses have risen dramatically. We also had family that was hit hard and did not received income for a while. 
And because we knew we were going to get refinanced, we sacrificed our emergency money to help them. We would have a month grace period before first payment so we would be able to take that months payment and put in the bank. We would have our emergency funds back. Also with a {$500.00} less a month payment it would allow us to save. Finally getting something that would help us maintain our finances. But that did not happen. 
We were shooting for an end of XXXX closing date. All papers needed for closing for the title company did not happen until mid-XXXX. Ok no problem. We close end of XXXX. That did not happen because it was discovered that another document needed for closing had not arrived. My loan processor told me that she was told it was supposed to only take 15 days to get this. As far as I know they are still waiting for this to show up. 
So now we get to XXXX. Still no word on a closing date. Then our family had an emergency that made us late on our XXXX payment. Had AC repairs that had to be paid. If the refinance had closed not only would we have not been late, but we would have had our emergency funds back. 
Then I get a call from XXXX XXXX XX/XX/2020. I thought finally getting a call about a closing date. Instead all we got was Oh! We see where you had a late payment for XXXX so we cant give you a refinance now. What! We should have closed on this loan in XXXX or XXXX. We started this process XX/XX/XXXX. We were not late for XXXX or XXXX. And even with a late XXXX payment, all you can tell me is Sorry? What I expected is you to tell me that although we were late for XXXX and the document we needed to close should have been here a month ago, we are not going to hold that against you. We can still close on the loan. 
A lot of companies including yours makes statements like, We Are Here to Help You. Well this was the help we needed. And as far as I am concerned you failed us. 
The only thing this almost refinance managed to do was put us back in a late status. Thanks a lot. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX, MD XXXX XXXX Cc : HUD Cc : CFPB
Product: Debt collection

XXXX XXXX Comenity Capital Bank XXXX. XXXX XXXX XXXX Ohio XXXX Acct # XXXX {$1100.00} This Debt is not mine. I have written to this company and XXXX and I am only asking for a contract between me and them with my signature on it, thats it. Ive recieved nothing from them or from any of the 3 credit agencies. Attached is my all 3 credit report and Certified Mail Receipt from XX/XX/2020 asking for this. This is the 15th letter to them. Either give me the contract or remove this from my credit report immediatly
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 last four digits of account # XXXX XX/XX/XXXX {$300.00} delinquent balance as of XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX  last four digits of account # XXXX XX/XX/XXXX charge off {$510.00} transfer/sold Account name : XXXX XXXX XXXX last four digits of account # XXXX XX/XX/XXXX {$720.00} Account name : XXXX XXXX XXXX  XXXX last four digits of account # XXXX {$120.00} charge off Account name : XXXX XXXXXXXX, XXXX XXXX 
last four digits of account # XXXX XX/XX/XXXX is the charge off date {$830.00} Account name : XXXX XXXX last four digits of account # XXXX XX/XX/XXXX {$150.00} charged off {$69.00} Account name : XXXX XXXX  last four digits of account # XXXX and another # XXXX XX/XX/XXXX {$720.00} and XX/XX/XXXX {$530.00} Account name : XXXX XXXX XXXX XXXX only last two digits of account available # XXXX XX/XX/XXXX {$1600.00} Account name : XXXX XXXX  only last two digits of account available # XXXX XX/XX/XXXX {$4700.00} paid and closed Account name : XXXX XXXX XXXX XXXX XXXX  only last two digits of account available # XXXX XX/XX/XXXX {$1000.00} closed 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.

Ive been a victim of identity theft and took all necessary legal measures to remove all fraudulent claims and accounts from my credit reports.
Product: Debt collection

XX/XX/2015 Reported Limit {$1700.00} Reported as Identity Theft Filed complaint with Credit reporting to have it removed. They have not removed it. 
Contacted the credit card company and they can not verify the debt belongs to me. 
XXXX XXXX is saying I owe them {$2300.00} took me to court and provided false documents and could not verify the debt was mine. I filed and appeal with the court and a counterclaim was placed against XXXX XXXX. awaiting court date.
Product: Credit card or prepaid card

All my accounts placed with XXXX XXXX on a debt consolidation program. Walmart keeps selling accounts to new people. Last sale was XXXX. They have settled with XXXX XXXX. Should not have this derogatory information in my report.
Product: Debt collection

I opened an account with XXXXXXXXXXXX  sometime in 2015. The account had three lines on it. Me and my daughter and her son. Phones and phone covers were purchased. My daughter paid for this account with her personal account as we agreed. The account was paid with some for phones and some the bill. I moved to another state and my daughter continued to paid this account. No problems and never turned off. I decided to end my phone service with XXXXXXXX and kept my tablet with them that was paid by my daughter. My number was removed and with them to XXXX XXXX XXXX. I also went to XXXX and paid what was owed on my phone and tablet devices in a XXXX XXXX store. I have the receipts for this that I paid this ; XXXX for airtime and XXXX for devices. The XXXX account was still being paid by my daughter. Two phones and one tablet that was on the account. I moved back to XXXX  from XXXX  and we decided to get the XXXX account in my daughter 's name so it will belong to her for credit purpose. We went to the store and did that transfer and no balance was owe by me and my daughter took over this account and a new account was done in her name with a new number. I owed nothing. Then a few months later I got a bill saying I owe XXXX for some unknown reason and I sent the company that billed me the receipts I had. I also had someone calling and harassing me about this payment. This account is being paid by my daughter with my tablet on it and I have phone with XXXX XXXX XXXX. So how do I owe a account that is being paid for still? No evidence of what I suppose to pay for has been given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX/XXXX  XXXX Balance : {$250.00} XXXX/XXXX  XXXX Balance : {$250.00} XXXX/XXXX  XXXX Balance : {$250.00}
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. ( Original Creditor : XXXX XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXX Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. I have contacted ( Original Creditor : XXXX XXXX ) ( Collection Agency : XXXX XXXX ) Account # XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. ( I have provided a preponderance of evidence that the account does not belong to me and is a direct result of identity theft. )
Product: Debt collection

Commenity bankhas been contacted repeatedly for more than 1 year to resolve the fraudulent accounts. CB has failed to provide any material facts, or supporting documents that meet legal criteria of a contract. The information reported to the credit bureaus by CB is inaccurate, invalid, and unnverified, as it is fraud. I demand the 2 account be deleted immediatly and permanently from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Product: Credit card

Bank of America closed my account on XXXX/XXXX/2015 and never informed me. My statements, both paper and electronic, do not reflect a closed status, and clearly indicate that I have available credit. If an account is closed, then there is no credit available, and the statement should list {$0.00} as the available credit. I would like the CFPB to either force BofA to issue accurate statements, or reinstate my card to a status that matches the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the beginning of XX/XX/XXXX I filed a dispute with XXXX, I believe it was XXXX $ to XXXX XXXX  XXXX. Long story short, we went to court on XX/XX/XXXX. The judge found in their favor and on XX/XX/XXXX I appealed the decision. Next, on XX/XX/XXXX, I filed a notice of intent to file default judgement. Finally, on XX/XX/XXXX, the office of the prothonotary filed the praecipe to enter default judgement. After all of this, XXXX  has already removed this info from my report, but XXXX  and Experian have not. After filing a dispute on both sites, they simply updated the info to show I owed more money than before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I recieved an updated copy of my credit report from Transunion. There is still inaccurate information on my credit report. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. These names are not suppose to be on my credit report : XXXX XXXX XXXX. Law 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have account ( s ) reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Checking or savings account

In XX/XX/XXXX of XXXX  my account in Wells Fargo was hacked and XXXX $ was transferred from my checking account to my savings account and total of XXXX $ was wired to a person named XXXX XXXX. 
This was an absolute fraud because I do not wire money to individual accounts, I do not transfer funds from personal account to XXXX and wiring money from my savings account to someone very strange. XXXX of the governing Security Procedures is suspicions pattern of wires, bank security system was supposed to be detecting those issues and have extra verification. 
When I tried to log in to my account, I was asked to put verification code to be able to sign in to my account. It was clearly saying that, that verification is to recognize my device, I was never asked to wire money or to put the verification code for wiring money. 

I contacted the bank right away, after answering the phone in XXXX minutes I explained them what happened and they closed my online banking, opened up a claim and XXXX  days later I got a mail from Wells Fargo saying that, everything was done through governing Security Procedures and that I was responsible for the Fraud that has happened to my account through their main domain wellsfargo.com. This is absolutely unfair from Wells Fargo and they must take responsibility for this issue.
Product: Credit reporting or other personal consumer reports

I've recently looked at my credit report with experian XXXX and XXXX and noticed they are reporting several incorrect incorrect inconsistent information on all XXXX bureaus with XXXX XXXX acount # XXXX I've disputed this account more than XXXX times in the last XXXX  years and they keep violating my federally protected rights.the XXXX  violation is XXXX  is reporting a high balance of {$2900.00} experian is reporting {$0.00} and XXXX is reporting {$0.00} high balance that is violation of 15usc1681s-2 the next violation is they are reporting incorrect date of last activity and violating 15usc1681e ( b ) XXXX  is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX as date of last activity.the next violation is open date XXXX  is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX and XXXX  is reporting XXXX the open dates the next inconsistency is close date transunion is reporting XX/XX/XXXX experian is reporting no date and XXXX  is reporting no date as the close date.the next violation is past due amount transunion is reporting {$1400.00} experian is reporting {$1400.00} as the past due and XXXX  is reporting {$0.00} as the psat due amount.the last inconsistent information is the payment history XXXX  has none reporting experian is reporting repeatedly charge off and XXXX has no payment history reporting according to fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.delete XXXX XXXX acount # XXXX XXXX  XXXX  and experian credit reports immediately and pay me {$1000.00} per each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There where false debt information placed on my credit profile, I disputed these items on XXXX. The items where completely removed and replaced with some other debt that I have no knowledge of. Got a dispute result letter in XXXX of 2022 with the original debt I originally disputed in XXXX. I don't understand how can they do this, very criminal. I would like the negative items removed, again this debt does not belong to me.
Product: Money transfer, virtual currency, or money service

Paypal is holding my money for over two years now, the 180 days are over now but its not allowing me to withdraw despite numerous calls to paypals support.

After paypal blocking my account i received a message that i will get my funds after 180days, upto now its over 2 years still being held. 

my paypal mail XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was " Turned Down '' for a new cell phone by " XXXX '' because of some negative credit information on my " Equifax '' credit report. And " Equifax '' is refusing to give me a copy of my " Equifax '' credit report.
Product: Money transfers

On XXXX, I was speaking to a young lady by the name ofXXXX XXXX about a business venture where I would pay her {$50.00} to get started and she would " run '' some numbers and send the profit back to me. This conversation happened Thursday of last week and I ended up sending {$50.00} to her by XXXX XXXX on XXXX/XXXX/2015. Then I got several calls and texts from someone name XXXX XXXX and when i tried to call XXXX back, no answer. Every since then this XXXX XXXX has taken over stating that XXXX did n't complete the transaction correctly. Yesterday I ended up having to send anther {$50.00} to XXXX XXXX by MoneyGram and still no profit. I called last night and today asking and demanding my money and his response was " these NUTS. " I just want my {$110.00} ( Money sent plus fees )
Product: Money transfer, virtual currency, or money service

XXXX dollars has came out of my chime account and I've provided police. Reports and fraud cases numbers and keep getting denied