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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

I lived in the XXXXXXXX XXXX in XXXX, XXXX  from XX/XX/XXXX to XX/XX/XXXX. I received rental assistance due to the fact that I was pregnant high-risk, and was unable to work as much. They ended up paying my rent for the entire year. So it was a huge surprise to me when I received a letter this year from the apartments after XXXX years of no contact stating that I owe them over {$18000.00} in back rent.
Product: Credit reporting or other personal consumer reports

Experian blocking access to account because phone number they have is incorrect, rendering my inability to unfreeze so that creditors have access. 
I have been unable to move forward on loan applications They refer you to a phone that you can never talk to customer service. They should not have that kind of power over consumers.
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 account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

I sent my FTC report and License to report identical theft. Experian, XXXX and XXXX still reporting fraudulent aCcounts on my consumer report.
Product: Credit card

XXXX XXXX XXXXXXXX Account ending in XXXX XX/XX/XXXX Saw XXXX XXXX for Health Care service and thought it was perfect to cover my XXXX  XXXX. 

Applied for card. 
Called in XX/XX/XXXX and asked for promotional financing. I was told that that is up to the provider ( I did NOT see that... but it is buried on their website ) Called my provider.. providers took Carecredit and XXXX " promotional '' financing Provider ( XXXX ) gave me an estimate. Called Carecredit for a credit increase and they refused without explanation and without sending me a letter of explanation. 

XX/XX/XXXX I attempted to use this card for the " down payment '' ( XXXX providers told me they need either full or partial payment in order to schedule what is considered " elective '' surgery. ) Card could not be used because it is XX/XX/XXXX and XXXX is scheduled more than 30 days from this date!!!! 

This provider 's schedule was relatively " free '' ... the other providers were scheduling out three months. THIS LIMITATION ON USING THE CARD IS NOWHERE ON THE WEBSITE!!! So, for XXXX  XXXX, in most cases, the card can not be used. 

Then, after the card was denied for the 20 % down ( the other provider wanted paid in full at time of scheduling ) I asked if it would be OK to use the Carecredit card for some of the balance at the time of XXXX. It was FINE but on {$20000.00} this CareCredit provider only offers 6 months same as cash!! ( Guess I missed the fine print on that part too ) NOW THE CARD IS TOTALLY USELESS TO ME... and I will need to threaten my credit score by cancelling it.
Product: Checking or savings account

Wells Fargo is yet again screwing over its customers. I reached out to Wells Fargo about a questionable transaction for {$39.00} tonight, Saturday, XXXX XXXX, XXXX only to be placed on hold for more than 20 minutes. The bank tells customers to contact them immediately when something like this happens, but then fails to provide customer service when you reach out. 

This is just par for the course for the most morally corrupt company in the XXXX. The bank will not give out local branch numbers, instead you must talk to a customer service member who doesn't know the answer to the simplest questions. The bank tells are also next to useless when you go visit, and the managers are always not available ( The one on XXXX XXXX in XXXX, XXXX ) The bank is always slow to credit deposits and never responses to email correspondence. I use this bank because I travel a lot for my job and need a bank with locations in most states. 

Why doesn't the XXXX actually do something about this horrible, horrible bank more than issuing press releases stating it fined Wells Fargo fines of millions of dollars? My question is does Well Fargo actually pay those fines? 

XXXX XXXX
Product: Checking or savings account

Hi Truist bank close my account around XXXX this year with XXXX thousands dollar in it i called and visit the branch multiple time and have different answers some agents told me i will receive my money some told i will not the last time i spoke with them they said they are still investigating my case kindly help me with this please
Product: Checking or savings account

I drive 40 minutes, 1 way, to the bank every week I get a nasty letter. XXXX. I get XXXX direct deposit and they for 5 months denied me online access or any access to account although my XXXX is through social security number. Twice I went in and XXXX at Wells Fargo says it's resolved. XXXX. I get a letter for safe deposit box although social security is corrected. XXXX. I went in but couldn't be seen. XXXX. I made appt and have card. I went in. Wells Fargo doesn't have appt. I wait. XXXX, teller mgr is not working. Only 1 teller. XXXX illegals come in to open account. XXXX tells them all they need is social security number BUT SHE KEEPS HARASSING ME, THREATENING TO CLOSE ACCOUNT, CLOSE BOX, REFUSE APPT, HAVE ME WAIT EACH WEEK. IM BEING DISCRIMINATED AGAINST. Now XXXX said it's my address-My address is through Attorney General.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXXXX/XX/XXXXXXXX # XXXX Account Name : XX/XX/XXXX XXXX Account Name XXXXXX/XX/XXXX XXXX Account Name : XX/XX/XXXX XXXX Account Name : XXXXXX/XX/XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XX/XX/XXXX XXXX Account Name : XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XX/XX/XXXX XXXX Account XXXX : XX/XX/XXXX XXXX Account Name : XXXX # XXXX Account Name :XX/XX/XXXX XXXX Account Name : XXXX & XXXX XXXX # XXXX Account Name : XXXX XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXXXX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason this bureau keeps making changes to my address that weren't requested but can't seem to remove outdated info from my report timely. The following needs to be updated/removed as follows : 1. Some how my home address is now an address that is a prior address? How is that possible? I never gave permission to switch my addresses. The address you show as my current is not the current address & hasn't been for months. The other bureaus have it correct but this one just keeps messing up my address! Fix it! 
2. XXXX is NOT my employer! I haven't worked there in going on 4 yrs. Remove it immediately! 
3. XXXX # XXXX - remove the dispute comments from this record. I never disputed it, never asked you to do so, only to remove XXXX XXXX & XXXX outdated paid off student loans. Some how you translated this into a dispute with XXXX XXXX. I want that language completely removed from the record as I never authorized you to dispute it. I had no legitimate reason to dispute an accurate, current record. Correct it now. 
4. XXXX # XXXX - this account is outdated. The info is incorrect anyway & the record does not add any value to my score. Remove it. 
5. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3500.00} 6. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$6400.00} 7. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$530.00} 8. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2200.00} 9. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$4500.00} 10. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3600.00} 11. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3300.00}
Product: Bank account or service

I sold an item on ebay, in my description I specifically stated that i do not accept refunds or exchanges. The buyer reported to ebay that the item was defective so ebay refunded the money to him. The buyer then returned the item to me and I discovered that the item was not defective at all. Ebay and paypal are now trying to bill me {$250.00} dollars for this discrepency. I feel ebay ruled in favor of the buyer without all the information and even false information from the buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this bureau serval times informing them that upon review of my credit report i noticed that there were inaccurate and incorrectly reporting inquiries that i DID NOT consent to nor authorized. Yet these inquires still remain on my consumers report. 
XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

I received the attached letter from Wells Fargo regarding a collection, repossession and recovery of a vehicle and vehicle loan that is not mine. I want Wells Fargo to research this matter, remove and correct any negative reporting and respond in writing that the matter has been expunged. I have never owned a 2004 XXXX XXXX nor do I have any auto loans with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the XXXX XXXX XXXX XXXX XXXX and the XXXX department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I sent emails directly to the XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. 

I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX  in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXXXXXX XXXX, No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

In XXXX 2011 I was the XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX NC. The cash drawers came up short and there was claim of purse missing. I was accused of theft and fired.They asked me to sign a form admitting this and committing to paying them back. I refused to sign it as I was innocent. They have turned this over to a debt collector, XXXX XXXX XXXX XXXX, who produced an unsigned form dated XXXX 2011 as their proof of the debt.
Product: Mortgage

I had a Home Equity loan serviced by Clear Spring Loan Services. I filed a complaint with the Alabama Dept of Banking because the Loan Servicing company was not accurately applying my payments to the loan nor accurately accounting for my funds. I also filed a complaint with the Consumer Financial Protection Bureau and was assigned case number XXXX in XXXX, 2014. I was advised that the Servicing Company, Clear Spring Loan Services had responded to my complaint ; but I never received the response. 
I have had XXXX several times and was restricted by physicians from pursuing this matter until now due to the health issues that were being caused by XXXX from this matter. 
As a result of my complaints, Clear Spring Loan Services transferred my mortgage to another company without refunding any of my funds that were never applied to my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT IN CONNECTION WITH ANY TRANSACTIONS MADE BY ME. PLEASE RE-INVESTIGATE THE ACCOUT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent request in regards to a account that is not mine that is reporting on my consumer report I have not received a response with proof of the original contract that contains MY Signature and it has been over 30 days i demand for this account to be DELETED off my consumer report immediately account XXXX XXXX  account number XXXX
Product: Money transfer, virtual currency, or money service

I created an account on TransFast ( https : //www.transfast.com ). After spending days verifying my identify and bank information, I sent my first transactions. Within minutes after sending they cancelled my transaction without telling me why, and told me I can no longer use the service. Furthermore, they maintained my banking information, and the recipient banking information on it 's website, without the ability to remove this sensitive information, nor the ability to close the account. 

I want this information removed from their website, and they would not allow me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and looking at my credit report I see accounts on there that I have absolutely any knowledge of and requesting that they be removed immediately. In concert with the FCRA law if the reporting agencies can not provide physical documentation to the consumer then the disputed accounts shall be deleted. The following accounts are 1 ) XXXX, ( XXXX ) {$1300.00} 2 ) XXXX XXXX ( XXXX ) {$860.00} 3 ) XXXX XXXX XXXX ( XXXX ) {$710.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX ( XXXX ) {$130.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I did not make this inquiry. 

XXXX XXXX XXXX ON XXXX I did not make this inquiry XXXX XXXX XXXX on XXXX I did not make this inquiry XXXX XXXX XXXX XXXXXXXX XXXX on XXXX I did not make this inquiry Onemain Financial XXXX I did not make this inquiry I want these items removed and they stated I would have to follow these steps
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries listed on my credit report ( s ) were not authorized : EQUIFAX - XXXX XXXX XXXX XX/XX/2020 XXXX  - XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed with the bureaus on XX/XX/, and XX/XX/ but they did not remove the items below. 

Sec. 602 FCRA States " I Have A Right To Privacy '' XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

Per the guidance of the Homeowners protection act. I mailed in the necessary request and payment to have my home appraised to remove PMI. I have made many improvements to my property after purchase, and its value has appreciated substantially. PHH mortgage is unwilling to honor my request to re-appraise, without any justification.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, LEXIS NEXIS, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF THE FUSE AT XXXX XXXX XXXX XXXX XXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.
Product: Money transfer, virtual currency, or money service

I am filing a complaint gainst Cash App ( Block, XXXX. ) XXXX to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX Gas unfair and deceptive, as they XXXX '' comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress