23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I sent money to a seller for a wallet XXXX $ on XX/XX/2019. I was scammed no further connection with the seller, requested my money back from seller it was declined and never heard from since. I sent it through XXXX which I use through Wells Fargo. I contacted Wells fargo on XX/XX/2019 they gave me the run around and told me it is XXXX problem. I than contacted XXXX on XX/XX/2019 and they cancelled the sellers account but can not refund me my money due to it's the banks job as they just process the transaction and do not take it from are bank accounts.
Product: Debt collection

This debt was appointed to my ex-wife in divorce by a judge, I can not rent a new place anywhere due to this eviction and debt it's crippling. The reason for eviction and debt was damages caused by my ex-wife, and her stalking me after after committing domestic battery against me. This is why the judge appointed this debt to her. She was a cosigner on the lease of the place before she was removed due to my protection order requiring it be so. I am unsure of what do and need help the debt collection agency will not assist even after being provided my divorce documents that state this debt is no longer mine
Product: Checking or savings account

I bought a product for {$110.00} at XXXX XXXX on XX/XX/19 and returned defective 3 months ago as it always was defective. They confirmed item was received.
Product: Debt collection

On XX/XX/201about i spoke to a XXXX at XXXX XXXX  and Crown Asset management ( my complaint is about both companies ) XXXX XXXX XXXX XXXX XXXX in CA and GA about a debt they just received they say is mine. I started talking about doing a debt settlement, when a XXXX burst on the phone and stating i can not get the money and started insulting me and threatening me and yelling at me and very abusive to me, then hung up on me. 

I am XXXX years old and this threatening and vertebral abuse is not right and maybe illegal. 

I also requested a Debt Validation which i am suppose to receive by law. I requested in the first 30 days. 

I am also going to file a complaint with my attorney general in the state of Nevada
Product: Debt collection

I paid this debt on XX/XX/18 In Full to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1000.00} Credit Card Number : XXXX XXXX XXXX XXXX This Company North American Recovery Continues to insist that i owe this debt. 
I paid this debt before XXXX XXXX XXXX had a chance to Send me a notice. 
XXXX XXXX sold this loan to two different Debt Collection Agencies This is harassment and i am have been going back and forth between XXXX XXXX and XXXX since XXXX to show and proof that i do not owe this debt. 

I do not understand how TWO different companies ended up with the same debt. 
Why Hasn't XXXX XXXX  stepped in to verify how two agencies received this debt. This is harassment. How is this legal and lawful for one debt to be sold twice. 

I am again attaching both Paid in full letters received in regards to this debt.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any incorrect accounts from my credit report. These accounts contain inaccuracies in their reporting. Compensation of {$1000.00} per erroneous entry in my credit file is stipulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX, XXXX has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer.XXXX XXXX XXXX XXXX XXXXXXXX # XXXX is proof that XXXX XXXX received my notice on XX/XX/2022. XXXX XXXX that the continued reporting of this inaccurate information is a clear violation of the FCRA. 15 USC 1681a ( 4 ) Cleary states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I am a consumer and as a consumer I have a right to privacy, according to 1681b permissible purpose. 
XXXX XXXX XXXX XXXX is a living man with blood running through his body and a free citizen of the state and the people of the several states are unconditionally sovereign within their respective states and must consent to be governed. I have never and I will never give any persons my consent to be governed. No court or persons have jurisdiction over me. I didnt give XXXX or any person written authorization to furnish THE DIVISION OF CHILD SUPPORT EN on my consumer report. 

Furthermore, XXXX XXXX have failed to provide the method of validation as required under 15 USC1681i ( a ) ( 7 ).

More violations of my federally protected rights : 28 U.S. Code 1691 - Seal and Teste of process 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 s-2 of your responsibilities as a furnisher of information. My rights are clearly being violated according to THE FAIR CREDIT REPORTING ACT. Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA XXXX is required to ... promptly DELETE all information which can not be verified. 
Attached is my notice to XXXX demanding deletion for lack proof of contract between me and furnisher and a notice from XXXX XXXX OF XXXX showing no XXXX is connected to my name in the state of New York. 

I am making complaints with the CFPB, FTC, XXXX CA and IL state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.
Product: Debt collection

XXXX XXXX  Subject : Dispute of Collection Account Reported by XXXX XXXX  Issue : I am disputing a collection account reported by XXXX XXXX for {$1600.00}. I have no knowledge of this debt, and it appears on my credit report without validation or notification. 

Details : Collection Agency : XXXX XXXX Balance : {$1600.00} XX/XX/year> Original Creditor : XXXX I have never had an outstanding balance with XXXX that matches this amount. I request validation of this debt, as required by the FDCPA, or immediate removal from my credit report if validation can not be provided.

Impact : This unverified collection account is negatively impacting my credit score and limiting my financial opportunities. I request a prompt investigation and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I've called 3 times to close this citibusiness account, first time was approximately XX/XX/2025. I was told at that time it would be closed promptly but it was not. 

They had the gall to send me a letter few weeks later saying the account was overdrawn because they kept charging me monthly fees even though I CLOSED THE ACCOUNT WITH A XXXX BALANCE. 

I called again and he took off the fee but claimed he could not close it So I had to call A THIRD TIME AND WAS ASSURED AGAIN THE ACCOUNT WOULD BE CLOSED. BUT IT IS NOT CLOSED. And now their terrible customer service has no weekend hours whatsoever, nor do I have any confidence that calling a fourth time will get the account closed. 

How are these banks allowed to do this? Why are there no consequences for this level of incompetence and deception?
Product: Money transfer, virtual currency, or money service

This is the second attempt I 've made to use XXXX XXXX and I can not get paid when I NEED my money because Wells Fargo continues to fail to update my balance this is really unfair and I am considering dropping them because of this. This is the second time I 've stated my complaint and still nothing has been done about it. XXXX XXXX app is showing a balance I had on my account earlier last week. As of right now it is showing {$240.00} when in actuallity only {$12.00} is available even on the Wells Fargo app my balance is incorrect ... such a disappointment. Please fix it this time.
Product: Checking or savings account

I received a text alert from Chase asking if I authorized a XXXX transfer for over XXXX - I replied no. I then received a call from Chase and the person who called said they were with the Fraud Department. 

They asked for a reference number. I provided what I received. 

They told me that XXXX would not let it go through for that amount. They had me send a XXXX to reverse the attempt and that my funds would be back in my accountt in 24 hours - and all funds were gone and no return of monies. 

I immediately called Chase and filed fraud activity. They said ot would take 7-10 days to complete their investigation. 

I received an email stating my claim was declined as the transaction was done ferom my phone. 

I explained that I had been a Chase customer for 25 years, workes for Chase in the past, owned Chase stock and that this was my first claim files for fraud. 

Everyone I talked to said they are aware of the scam but nothing they could do since the transaction happened from my cell phone. They said too bad for your bad luck you were scammed and nothing we can do. 

I said they called from a Chase phone number, had me call Chase Fraud from mu husbands cell phone and ask for this person. They dis not give me the Chase number - I pilled it from their website. 

I am now out {$750.00} and Chase has said too bad for you but we will not back you. 

This is not fair, right or otherwise. 

This needs to stop- if they are aware of the scam should they not have notified their customers? 

I am devastated
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching back out to you all because there are still some items that have not come off my credit. I reached out a couple of months ago about some things on my credit that are not mine. There are still some remaining XXXX XXXX, US Dep ED, XXXX XXXX? XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have contacted the FTC and my local police and Im also doing this on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX   XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, there was a zelle transfer from my savings account for {$340.00} sent to XXXX XXXX. I did not authorize this transaction. I texted XXXX on XX/XX/XXXX asking her to return this money as we did not authorize this transaction, and never heard back. On XX/XX/XXXX I reported this transaction to the bank of america fraud department, and they opened an investigation. On XX/XX/XXXX I spoke to bank of america fraud department again, and they said they have closed my fraud case and say that the transaction happened on one of my devices so there is nothing they can do.
Product: Debt collection

This account was disputed with another collection agency and removed due to fraud I've never had and account with XXXX XXXX XXXX then Franklin collection agency purchases the debit and XXXX put the account back on my credit report I submitted another dispute XXXX looked it up and saw via their fraud department this account was disputed and successfully removed from my credit report from 2 previous debt agencies-companies keep purchasing this debt and putting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

I filed a complaint and dispute with XXXX Student loan servicer requesting they remove inaccurate reporting on my credit profile. XXXX continues to report erroneous late payments on my credit report that is causing my financial reputation to be negatively impacted and its lowering my credit score making it impossible for me to be approved for any type of credit. 
The errors that are being reported are as follows : 1 ) XX/XX/2019 is reported as 90 days late and this must be incorrect because the two months preceding XX/XX/2019 which are XX/XX/2019 and XX/XX/2019 are showing as paid on time. If the prior two months are paid on time, XX/XX/2019 can not suddenly become 90 days late. I demand my credit profile be updated to reflect that I was never late. 

2 ) XX/XX/2019, XX/XX/2019 and XX/XX/2019 are being reported by XXXX as 90, 120 and 150 days late accordingly. However, the two months preceding XX/XX/2019 which would be XX/XX/2019 and XX/XX/2019 are reported as paid on time. If XXXX and XX/XX/2019 were paid n tune, then it is impossible for XXXXXXXX XXXX XXXX and XX/XX/2019 and XX/XX/2019 to be late because 90, 120 and 150 days did not pass. You can not be 120 days late and on time for the preceding 30 and 60 days. This is inaccurate and I demand my credit report be updated to show never late for XXXX, XXXX and XXXX XXXX XXXX. 

I demand XXXX update this account information even though it has been refinanced because it is still reporting on my credit profile as late and is dragging my credit score causing it to be low and ineligible for extensions of credit.
Product: Credit reporting or other personal consumer reports

Hello I pulled my credit report on XXXX XXXX I have numerus number of unauthorized inquires on my report. 

You sent a response in the last complaint that XXXX removed the information, but nothing was done I did not authorize these inquires below that are reporting on my Experian credit report : 1. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX XX/XX/XXXX 2. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX 3. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX 4. An unauthorized inquiry was made by XXXX XXXXXXXX XXXX on XXXX, XXXX 5. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX on XXXX, XXXX 6. An unauthorized inquiry was made by XXXX XXXXXXXX XXXX XXXXXXXX on XXXX, XXXX 7. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX 8. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX Please remove these unauthorized accounts
Product: Debt collection

In XX/XX/2020 I contacted IQ Data in regards to an collection on my credit report. I contacted the collection agency and informed them that I had no recollection of signing a lease. I moved into the property as a roomate and not a leasor and I know to my knowledge I would have never signed such an obligation. I requested the company to send a copy of the lease in question and I did not see any signature on the actual document but instead an attatched list of electronic signatures i did not recognize as my signature nor do not recognize the IP address. I immediately filed a police report to document the incident. I also have proof I was not living in the property at the time the lease was signed and ended. I only lived there periodically and temporarily. I would like this item to be removed from my credit report on the count of Identity fraud and failure to produce adequate evidence. the signature does not match the signature on my drivers license therefore It is a fraudulent and voidable contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account 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
Product: Mortgage

My home was damaged by renters in XXXX. XXXX  XXXX XXXX  paid for the destruction and Wells Fargo told me to sign the check and mail to them. They would sign and immediately return to me. 
They never did. I was XXXX payment behind and had been making payments of 1/2 every two weeks, so I had an extra payment in the system. They gave me the non stop run around. I complied to everything that was requested. Then they said I must fix everything w my own money and they would release the {$7000.00} check afterward. They also refused a payment stating I had to get so far behind. They foreclosed XX/XX/2017, the bought the house for less than owed. I lost my home of 16 yrs as well as a stolen insurance proceeds check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was XXXX XXXX XXXX years. Upon release in XXXX I discovered that someone filed taxes in my name while I was incarserated. As a result of that i filed an identity theft report in XXXX and I recently resolved that matter with the irs but this year I discovered someone also used my personal information to fraudulently open credit cards in my name Such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681 by not reporting accurate information in my credit report. 

Acct : XXXX XXXX XXXX XXXX ( XXXX ) share draft account # XXXX has been fully paid and closed on XX/XX/2020 and should be deleted not be reported as a negative charge off on my credit report affecting my credit worthiness as a consumer in good standings. Attached is a letter from XXXX XXXX XXXX confirming my statement above. 

*15 USC 1681 Sec 602a states I have a right to privacy.

*15 USC 1681 Sec 604a states a consumer reporting agency can not furnish an account without my written instructions.

*15 USC 1681 Sec 2 ( a ) ( 1 ) states 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: Money transfer, virtual currency, or money service

On Monday XX/XX/2022 I received an email that was routed to spam and later recovered. This was done intentionally by PayPal as to be undetected writing an email with a spam bot text. It reads " You can no longer do business with PayPal ''. It then references my funds will be held for 180 days. 180 days have passed and I can not access my account. Furthermore, PayPal is holding my account information ( linked accounts ) from XXXX, XXXX, XXXX checking, XXXX XXXX, and XXXX  hostage. I want my linked account information deleted. PayPal has acted maliciously and intends to steal money from me. I have reached out to them multiple times and met their INTENTIONALLY INCOMPETENT customer service who hardly speaks english. My account was blocked with no reason stated. My account has not been released after 180 days. My account has linked accounts that are being held hostage. FURTHERMORE, I have pending cases for non delivery of goods bought from PayPal and I believe they have retaliated against me. FINALLY, they have retaliated because of my last name being foreign. I'm sure of this. 3 evidentiary pictures are attached. Requested Action : 1. Paypal to stop harrasing me and holding the linked accounts hostage. 2. Paypal to delete all my information especially and including the linked accounts.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed CFPB # XXXX Was never registered with supporting Documents HOWEVER XXXX was sent with supporting documents Registered Letter see attached XXXX has taken all 5 months with frivolous responses SEE ATTACHED the Ca attorney General has been notified XXXX AS WELL SENT REGISTERED LETTER This does not meet exstensions to prolong ALL BOTH AGENCIES RECEIVED DOCUMENTATION THAT QUALIFIES IMEDIATE REMOVAL AND CORRECTIONS EXAMPLE LISTING COMPANIES THAT ARE LISTED UNDER BANKRUPTCY also I would like to add XXXX and there employee XXXX has been asked to be removed from my case as well CA Attorney General was notified as well HE THINKS ITS A JOKE refer to recorded phone calls
Product: Vehicle loan or lease

I received a late payment notice from Navy Federal Credit Union despite making the payment on the due date XX/XX/XXXX, around XXXX XXXX  through their electronic system. Since Monday was a holiday, the payment posted Tuesday. NFCU sent me a late payment notice, indicating I need to pay for both XXXX and XXXX. However, I was only due for XXXX. When I called and spoke with XXXX she explained that this is standard practice. I informed her that they can not ask or label a payment as past due before its due date. XXXX suggested I review it as a reminder, but I clarified that reminders typically come as statements, not past due notification. She seemed displeased and stopped addressing my concerns.
Product: Debt collection

I had informed XXXX verbally that my charges from an unknown illness in XXXX of XXXX was now in a bankruptcy filed XXXX XXXX. 
I went in, XXXX of XXXX, for a suspected broken foot and was informed of a {$1000.00} charge from XX/XX/XXXX still pending. I told them that it was not accurate and called and left a voicemail with their billing. 
A few months ago, I receieved a collections notice from this company. I asked for them to itemize it as it was not accurate and the charges from XX/XX/XXXX needed to be discharged into the bankruptcy. I paid about half the XX/XX/XXXX balance off and only {$300.00} was left. 
They did not provide me with the information I requested and instead sent it straight to collections. I now can not get an answer from this debt agency.