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

Tally obtained my credit information through false advertising and I unknowingly entered into a predatory lending loan. 

I signed up for a congruent balance transfer line of credit, not a loan. 

Also initially Tally was not reporting on my credit when I joined. 

I was under the impression my balance with Tally was XXXX XX/XX/XXXX and I was blindsided with a near {$5000.00} balance. 

In 2020 Tally began to report on my credit due to a California ordinance. 

I am requesting Tally to remove its reporting from my credit file as I never authorized the reporting to my credit file. 

I was not forwarned nor received an email or letter about the change. 

XX/XX/2020 ; I informed Tally, my company is purchasing an {$8.00} XXXX dollar commercial building for my company headquarters in which Stellar credit is required. 

A Tally balance is reporting on my credit as of XX/XX/2020 I need it removed immediately.
Product: Credit reporting or other personal consumer reports

Hireright llc company run my backgrount, In the report, information appears that is not mine. I contacted HireRight and they told me what the XXXX XXXX XXXX gave them. The XXXX XXXX XXXX told me that I do not have any criminal record, but that a person who has the same name and last name as me does have a criminal record. The XXXX XXXX XXXX gave me a certified letter and also sent it to HireRight where it mentions that I do not have a criminal record. That letter was sent on XX/XX/XXXX and to date HireRight has not fixed the problem, so I ask that you make a correct update in my background.
Product: Checking or savings account

I am filing a formal complaint against Wells Fargo Bank for improperly protecting my accounts from fraudulent debit card transactions and then attempting to accuse me of the fraudulent transactions in order to avoid covering the lost funds caused by their negligence. 

On XX/XX/2019 I opened a checking account with Wells Fargo in order to deposit funds that were raised as part of an effort to produce an independent film for which I had developed the screenplay. Through XXXX XXXX we were successful in raising {$5200.00}. A portion of that money was directly deposited to the new Wells Fargo account. 

In the interim, Wells Fargo mailed a new debit card to my address as well as a PIN code in a separate mailing. Both were stolen from the US Mail and the access was used to take cash as well as purchase items from XXXX and others. I only detected this fraud when I logged on to deposit additional funds on XX/XX/XXXX raised through another investor. I reported fraudulent activity to Wells ( Claim # XXXX ) and to the XXXX XXXX XXXX Police ( case # XXXX XXXX Precinct, overseen by Detective XXXX XXXX ). 

The initial response from Wells Fargo was that the issue would be corrected in 10 days and funds replaced. Not hearing anything further I contacted Wells to understand the delay and was informed that they had no intention of refunding the money and then falsely accused me of either taking the funds myself or sharing the information with another to take the funds. Neither of which is true.

According to Wells Fargo, they consider the matter closed. As such I am formally filing this complaint in order to be reimbursed by Wells Fargo for their negligence and inadequate delivery and/or security measures for delivering a new Debit card in an urban area. 

I would like to discuss this further and understand my protections in such a situation and what the State of New York can do to protect me from the flawed practices of Wells Fargo. Please feel free to contact me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a txt message from XXXX XXXX saying my account had a {$17.00} charge from XXXX and I needed to call a number. I called the number and the automated voice told me to put in my social security number, which I did and then hung up. I realized I didnt even have a XXXX XXXX account. I recently lost my debit card from my bank, XXXX XXXX so I was concerned I really had a fraud charge. I am worried for my credit because I gave my social security number.
Product: Money transfer, virtual currency, or money service

Hey my name is XXXX XXXX, I have contract all company 's involve my credit score. It have transaction 's on their I never did and not able to even dispute it. I have been homeless for three years now. The last job XXXX, the last address XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. However, on my credit score it mention I apply for pets insurance I don't even have a pet, mention mortgage in XXXX and never have and many more. I am trying to unfreeze my account with Experian, it has been months. I been trying to get contract with an agent. However, I do have recipes on someone been making fake accounts in my name far as XXXX XXXX, XXXX, XXXX XXXX, Have an gift card in my name at least for two years. School XXXX, I graduated from XXXX in XXXX but it shows XXXX loans and grants and I don't understand how. Way more please help I have try to contract these companies myself, and also my emails keep getting hack and phone keep getting stolen. This been going on for two years and I am just founding out about this. How did yall didn't see this or contract me
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. I previously sent a dispute letter addressed to the Credit Bureaus last XX/XX/XXXX and have submitted a CFPB Complaint on XX/XX/XXXX, I am submitting this CFPB Complaint as a follow up to the most recent CFPB Complaint I submitted. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX AUTO XXXX Balance Owed : {$0.00} XXXX ACCT XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX U.S. Bankruptcy Court
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX XXXX XXXX  : Account Name : XXXXXXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the letter my husband and I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
Product: Credit reporting or other personal consumer reports

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

Listed Below are Hard Inquiries that have been made fraudulently and should be removed form my credit file. According to FCRA 15 U.S. Code 1681c2 - Block of information resulting from identity theft. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

XXXX XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX  CREDIT CARD ( Bank ) XX/XX/XXXX XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally lodge a complaint against PayPal regarding their handling of a dispute I initiated with XXXX over a transaction that I believe was not resolved fairly. 

On XX/XX/year>, I purchased an item from XXXX using my PayPal account. Upon receiving the item, I discovered that it was not as described. Following the companys return policy, I promptly returned the item and initiated a dispute through PayPal. 

Throughout this process, I have submitted comprehensive evidence to support my claim, including : Detailed Description of the Issue : I clearly outlined the discrepancies with the item received. 
XXXX  Drop-off Receipt : This serves as proof that I returned the item in accordance with the companys return policy. 
Return Label Provided by the Company : I uploaded the label to verify that it was issued by the seller. 
Email Correspondence : I included all relevant emails exchanged with the company regarding the issue and return process. 
Tracking Information : The tracking number XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) shows that the item was shipped back to the company. 
Despite providing all the necessary documentation, PayPal decided in favor of XXXX, citing a " lack of information regarding the return. '' This conclusion is perplexing, as I have submitted all relevant evidence, including the return label, drop-off receipt, and tracking information. 

I feel that PayPal has not adequately reviewed the evidence I provided and has not fulfilled their responsibility to ensure fair resolution in disputes. The lack of transparency in their decision-making process has left me feeling frustrated and unsupported as a consumer. 

I kindly request that your office intervene in this matter to ensure that PayPal reassesses the evidence I submitted and provides a fair resolution. I believe it is vital for companies like PayPal to uphold consumer rights and to handle disputes with the diligence they deserve. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have linked the previous response the company designed receivable solutions inc said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). XXXX and XXXX I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( designed receivable solutions inc )
Product: Debt collection

I am beside myself. I have been working on repairing my credit for several years. I had XXXX Barclays credit card left over that was sold to XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made XXXX payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed 4 payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over 45 minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from Barclays. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every 2 weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.
Product: Credit reporting

I am Sending you another complaint letter following up on my last complaint with Experian. There was a HUGE miscommunication over the phone. Experian is claiming that I waned a reinvestigation. I never requested reinvestigation or any kind of investigation. I never asked Experian to reinvestigate anything, I asked them to REMOVE persistent dispute notations from my Experian credit report on XXXX XXXX. They need to stop the unauthorized investigation. I did not call them and open an investigation, it was not an an investigation call. I called Experian on XXXX, XXXX 2016 to ask them to remove the 30 days-past my dispute ) dispute notations. I wrote your company in hopes that you could get Experian to remove the persistent continuous dispute remarks. I am very upset, my home loan is approved and needs to go into the underwriting process, if these dispute remarks are not removed I could lose my deposit and lose my home loan I am partially approved for. This loan can not be completed until these persistent dispute remarks are removed right away. These accounts are XXXX and XXXX. I have no time, I do not even have 30 days to have my loan approval underwritten. I do not want this investigation continued. They are holing my credit hostage to persistent continuous dispute remarks. I am waiting for these remakes to be removed immediately, Experian has been very misleading and they are not providing me with what I need to continue with my home loan. They are holding my credit hostage. Also, a big legal issue in my opinion- is that they started an investigation without my consent. The last time I disputed anything on my Experian credit repot was well OVER 30 days ago. NOTHING on my credit report has been requested to be disputed or reinvestigated in the past 30 days! I feel like your response ( THE CFPB ) ( your company ) did n't even try to get Experian to remove these remarks. I feel like your company is not looking out for the well being of others and the way people are being treated or handled. Once again, PLEASE have Experian remove these dispute remarks and STOP their reinvestigation that I did NOT authorize. I never requested an reinvestigation. I will have to take further legal action if they do not provide me with what I need. RESOLUTION : REMOVE PERSISTENT DISPUTE REMARKS AND STOP UNAUTHORIZED CREDIT INVESTIGATION IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for several months been disputing with the credit bureaus on inaccurate information on my credit report from the creditor. However to no avail I have not made any progress. 

I am writing to challenge the reporting and compliance on an account with XXXX that is being reported on my credit report with incorrect information. 
More specifically, I am referencing the fact that bureaus are reporting inaccuracy in the length of late pay on this account prove of who validated this account from the wrong payment/amount owed, date opened that does not match with XXXX, EQUIFAX & XXXX. This improper procedures is highly damaging to my credit score. 
I have complained about XXXX bank on several platforms and through CFPB as well to find out that its the same result.My biggest concern is with all the documents i have submitted through the CFPB on these errors the bureau is allowed to keep updating and correcting these errors that are clearly wrong without proper verification. This account should have been deleted from my credit profile. I showed the errors in late payments, inaccurate dates of when this account was open as well as amount due through this platform and it comes back verified. I asked for prove of verification and it comes back verified with no prove. I thought that all information reported must be in good faith and lawfully correct. How can i have one bureau claim i paid on time and the other stated 60 days late verified after i file a complaint through your department. 
However, all reported data must be completed, correct, and proven if challenge. I dont know how the credit bureau validate wrong information without adequate compliance of state and federal laws being applicable throughout.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following accounts and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$8900.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$970.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$240.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I really need you to take this complaint seriously and review the attached file. I've been trying for what feels like forever to get the errors on my credit report corrected, but nothing has changed. My attempts to have this inaccurate information fixed have been repeatedly ignored, and I can't keep going like this. It's impacting every part of my life, and the stress is starting to affect my mental health. It's also made it impossible for me to get the help I need, all because of a low credit score that's the result of these mistakes.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft due to the use of these services.