23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Called SELF FINANCIAL INC spoke to agent known as XXXX who provided me with her employee ID # XXXX asked to speak to a supervisor as she could not understand me she passed the call to another employee names XXXX who refused to provide me with his employee Id as well as the Account number that I allegedly opened with SELF FINANCIAL/LEAD BANK recorded the time of the call was 1 hour and 26 min. 
" XXXX '' was very unprofessional and evasive and refused to provide me with any information numerous times including account number, policy information, his last name and employee Id. I suspect this is a fraudulent company and they are refusing to provide any information to be liable. I quoted laws and statute codes and was not provided any information concerning this account or that there even is an account. I told them it is showing up on my credit report and i have a right to know what it is and where it came from and was given absolutely no information except that id receive a call back and an email. I said from who and the employee agent would not tell me any names or information once again. 
I have a right to face my accuser of any alleged claims or debts I have a right to know the information financial institutes have about me I have a right to dispute these false claims and be provided proof that they are legit, valid. and verified and I received none of this information .Pursuant 15 USC 1681 i have a right to know and see all supporting documentation that gives rise to and lawfully support the alleged obligations SELF FINANCIAL/LEAD BANK now claims. 
No account or contract was ever provided and that is not lawful or legal evidence to report on a consumer credit report. 
I want this corporation XXXX XXXX XXXX located at " SELF FINANCIAL INC . 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Texas XXXX " to be held responsible for their deceptive practices and false reporting and I demand to be compensated for the wrongs taken against me via my consumer report. I have calculated at least 3 FDCPA Violations.
Product: Checking or savings account

Wells Fargo lost a large amount of money that was sent out from another checking account ( owned by me ) to my checking account with them. But didnt return the money and asked me to report it as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo questionable practices : 1. Wells Fargo send written correspondence indicating credit reporting issue. Does not provide details in the letter, and asks the consumer to call a number. 
2. After calling the number Wells Fargo refuses to provide any information about the issue, and indicates that a fax should be sent. 

Wells Fargo is intentionally setting up a series of activities to dissuade consumer from understanding the content, depth, and breath of error.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update or correct them immediately. 
XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I never was sent a bill from either the hospital or Amcol agency in South Carolina. The collection agency only contact me when the debt was placed on my report. Also the amount due was incorrect.
Product: Credit card or prepaid card

I saw the Capitol One Savor One credit card advertised throughout the internet with a {$200.00} bonus on {$500.00} spend within the first 3 months and it is advertised as such to this day on their website. I applied on the capitalone website and my application required additional identity verification. I called in and that department stated there are not any special " links '' to be eligible for that offer unless you are doing a referral link from a friend family member & I should be good. Fast forward a little over a week later, I finally receive my card and I call customer service to verify the offer and they tell me that my application did not include that offer and could not tell me why, which I can't understand since I have excellent credit in the near XXXX or XXXX. I feel like I have been bait and switched by the welcome offer presented on their website, I am unable to get help via phone and that is their only method of communication or escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion fails to updaye my information ( all ) i have sent certified updates, called numerous times to fraud department..i can not get them to correct my name, misding addresses, work history, midsing loans.. And can not get a credit score..on my XXXX and other databases it shows ( XXXX ) on transunion for my credit score. This has been continuing since XX/XX/XXXX..still i can not get any help ... i want my info ( all ) corrected and credit report and score available to me as i see fit and want my credit frozen and intialfraud alert and a apology from this bureau..this is the 2nd time in my lifetme transunion has had incorrect info on my report.. 1st time was a complaint in XX/XX/XXXX i had been reported for owing over 113,00dollars in federal tax ... i hired a IRS problem resolution officer ( XXXX XXXX ) she coild not find anything..only that i always recieved refunds on my taxes..well this issue came up again in XX/XX/XXXX ... so i dif the investigation and found that a county clerk had filed the complaint under the wrong Social Security Number..the name of person was similar to my name and live in a area ive never resided. I carried that burden from XX/XX/XXXX to XX/XX/XXXX..was refused credit because of this mistake ... and now since XX/XX/XXXX i have become a victim of identity theft. Some person or persons filed numerous 1040 form with my social security numbet.. The IRScontacted me by letter on XX/XX/XXXX and informed me of this and they caught the error because i do not have a tax filing status since XX/XX/XXXX..i was deemed XXXX in XX/XX/XXXX. I am furious and want my credit report corrected and a apology and i have suffered pain and mental anguish because they refused to listen or help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well inability to report accurete only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesing that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/2022 under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verifiued. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am reaching out about a XXXX XXXX Credit Card on my credit report that has not yet been removed and is continuously preventing me from progressing in life financially. I have reached out to XXXX and Equifax multiple times in attempts to verify the legitimacy of this account and I have received no information or proof that this account is valid. Experian results show the account is still currently reporting after my dispute. As of now the only thing I have received is a notification from XXXX with inaccurate results. Equifax has not responded at all. 

In my documentation I asked for a consumer signed signature form both companies and they could not provide this information. I also asked for any sorts of documentation that verifies this account and received nothing. I have reached out to XXXX XXXX XXXX XXXX directly and they are completely neglecting the issue at hand. 

XXXX XXXX XXXX XXXX Acct no : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Attached below are the letters sent to EQUIFAX that I mentioned in the paragraph above along with receipts that require electronic signature from Equifax upon arrival. These exact same letters were also sent to XXXX but i did not attach due to their response. 

- statement of personal information correction - 3rd attempt 609 letter letter dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Through certified mail I have reached out to Experian on several occasions. I must admit I have had a terrible experience with XXXX and Experian through this whole ordeal. XXXX furnished information on my consumer report that wasn't 100 % accurate and Experian refuses to acknowledge the grave mistake by continuing it to be allowed on my consumer report. None of the details concerning my loan are accurate across all 3 bureaus and I asked Experian to specifically send me the signed documents they have on file concerning the account. I have reached out to XXXX without no prevail even though I qualified for their deficiency waiver of the lawsuit they had against them. I believe XXXX misrepresented the auto loan given to me by using predatory and fraudulent actions such as miscellaneous fees and it shows in the furnished information given to credit reporting agencies. I am making this complaint due to Experian failing to uphold the rights of consumers and not properly handling the information with proper procedures when given to them by me ( the consumer ) but only parroting what companies that aren't even reputable are giving them as accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was most likely sent to a 3rd party website that made me agree to something that I did not Agree to.

I did not give you consent to take money out of my accountTrans Union has taken a dollar and then {$20.00} out of my account and nowSince they did that they have overdrawn my account and charge them for {$40.00} I demand a refund and a refund of {$40.00} that is a total of {$71.00} that you owe me. You have done nothing to help All you have done this is cost me money than I don't even have.

I demand a refund immediately And and subscribed meDelete my information or I will go to my lawyer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my rights have been violated according to the law : 15 USC 1681 sec 602 a I HAVE A RIGHT TO PRIVACY and don't want these transactions and experiences reported from this account unless the negatives are taken off!

15 USC 1681 604 sec 2 the can not furnish this report without my consent 15 usc 166b my transactions or experiences can NOT be reported as LATE 15 usc 1681 A 2 a1 according to the law transactions and experiences are NOT INCLUDED IN THE CONSUMER REPORT also most importantly MY INFROMATION SHOULD BE ACCURATE and FAIR.. i have inaccurate information from this account which has effected my future of obtaining a home and a vehicle i have proof of inconsistencies and the law that is broken by this inaccurate information reported on my credit report
Product: Money transfer, virtual currency, or money service

I made a PayPal account but have never sent money on the app yet. This definitely should not be on there. I use XXXX XXXX Banking. 

On XX/XX/XXXX an Unauthorized transaction was made. Amount : {$48.00} Merchant Info : PAYPAL XXXX XXXX XXXX  Additional information : Method : Card # Entered by Customer/Merchant XXXX XXXX XXXX XXXX description : PURCHASE AUTHORIZED on XX/XX/XXXX PAYPAL XXXX XXXXXXXX XXXX XXXXXXXX XXXX **** Posted : XX/XX/XXXX On XX/XX/XXXX {$0.00} was added into my account under Direct Deposit and the transaction description is : PAYPAL XXXX XXXX XXXX Posted : XX/XX/XXXX On XX/XX/XXXX {$0.00} was added into my account under Direct Deposit and the transaction description is : PAYPAL XXXX XXXX XXXX Posted : XX/XX/XXXX On XX/XX/XXXX it took out {$0.00} this was under Electronic Payments. This charge happened after I had {$0.00} and {$0.00} added into my account. Transaction description : PAYPAL XXXX XXXX XXXX Posted : XX/XX/XXXX I have no emails regarding any of these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. 
I AM A VICTIM OF IDENTITY THEFT. I DONT KNOW WHAT ELSE TO DO. SOMEONE STOLE MY IDENTIFICATION AND DESTROYED MY LIFE. THIS IS A VIOLATON THAT THEY WERE ABLE TO DO THIS TO ME. THESE ACCOUNTS NEED TO BE REMOEVED FROM MY PROFILE. THEY ARE CAUSING ME SO MUCH HARDSHIP
Product: Debt collection

I have already contacted this company to state I never had a contract with them. 
They are stating I owe for things that have already been paid by my insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. A fraudulent account has been opened in my name and reported on my credit are listed below. 

PXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even established additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a 2017 XXXX from Discover Bank about an old credit card account I had. Since they cancelled the debt and I have to report it as earned income, the balance on all of my credit reports should be {$0.00}. I have tried disputing the amount with all three bureaus, and they keep saying that the amount has been verified. How can Discover Bank cancel the debt and still say that balance is valid?
Product: Credit reporting, credit repair services, or other personal consumer reports

A company posing as XXXX has as phone number that is similar to XXXX 's phone number except the first three digits are XXXX instead of XXXX. This company knowingly deceives callers and attempts to sell them a {$300.00} consumer protection product. 

XXXXXXXX XXXX number is XXXX XXXX. Be careful not to call XXXX XXXX or you could be scammed by a company called Consumer Information Bureau who claims to be affiliated with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bank of America Credit Card where I make a XXXX dollar minimum payment. In XX/XX/2015 I was reported to XXXX as past due/Late. I have made numerous attemps in writing as well as verbally to ask for forgiveness as of said late payment reported. As to Date this blemish is holding down my credit score even though I have had stellar payment history previous to this action with Bank of America as well as thereafter. I want to make it clear that I have stellar payment history and I have been carrying out my obligations effectively.
Product: Mortgage

ID complaint file XXXX. XXXX did finally what they were suppose to do. on the other hand Bank of America was the first. We had XXXX XXXX and XXXX, the federal government closed them down. No one told us anything. we found out on the XXXX XXXX  news. After 6 months of trying to find out what to do we were called by Bank of America and told we owe almost {$6000.00} dollars. I said so how are we suppose to pay this. they sent us a contract that said every year they will raise the mortgage 6 % until it is paid. we called and called and talked and talked. no one helped they said we were in forclosure on our credit report and we never were. Lawyer after Lawyer never told us our credit report was wrong. WE found out after the short sale. My wife XXXX has lost her job 2 times because of this. We spoke to Bank of America recently and nothing was done except you closed this case. They need to compensate us for illegally reporting false information and ruining my wives career. XXXX finally did what they were suppose to do even though they did not help us either. We will probably never mortgage a house again because of this.
Product: Credit reporting or other personal consumer reports

There is some accounts listed on my report that I do not acknowledge of me opening. That I would like to be investigated and to be removed from my report.
Product: Credit reporting or other personal consumer reports

I still have not received written confirmation of the actions that was mailed to LVNV Funding on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I mentioned to them, I am a victim of identity theft. I recently learned that my personal information was used to open an account with a company called XXXX XXXX XXXX. I did not open or authorize this account, and I request that it be closed immediately. The trade line from XXXX XXXX XXXX  was removed from my credit profiles immediately once I sent them all of the identity theft information. I had sent the same information to XXXX XXXX whom claim to own the account. In my correspondence I had enclosed a copy of my FTC Identity Theft Report. Because the information they are reporting is the result of identity theft, and inaccurate, I requested that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked that they take these steps as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers, which explains their responsibilities when reporting information to CRAs. I had asked that they stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. I further request that they please send me a letter explaining their findings and actions. The only response back from them was their own copy of a theft report which was promptly filled out and sent back. This inaccurate information is causing severe financial harm to my family.
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  XXXX Bankruptcy Account Number:XXXX  Account Name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

It isnt letting me connect my PNC account to my Privacy  account, it only emails me saying that they received the request to connect them without giving me any way to approve it.