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

The company, XXXX XXXX, has maliciously and illegally reported frivolous data to my credit report causing my Credit score to drop each day. They keep posting similar data maliciously and intentionally and have provide 9 days on two weeks, attached, for proof! Make them stop!

They have spammed my file over 20 times in one month.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 I was attempting initiate a payment to someone on PayPal, I to the Best of my knowledge did not complete the transaction because i do not know anyone from XXXX XXXX I received that the transaction went through.. I immediately reported that something is not right with the transaction, the payment should have never been paid to someone in XXXX I reported the issue less than five minutes after the noticing the error, i opened a case with PayPal for XXXX the case is going to be undet review from XX/XX/2024 to XX/XX/2024 that is way too long to wait and not know if you would even receive your funds back mind you the recipient their profile is not even active so the money is just sitting there my money PayPal can easily cancel the transaction I even reached out to PayPal within the XXXX minute time frame they could have canceled my payment but they didn't
Product: Credit reporting

There are XXXX accounts on here for a XXXX and XXXX for XXXX XXXX XXXXThe XXXX for XXXX state they are for parking tickets. I do not have any outstanding parking tickets. This information is falseAlso XXXX I have paid anything owed to them already so this should not be listed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account open to use XXXX XXXX car connector. 

Service/device did not work as advertised. I tried calling XXXX directly, but could not make contact due to long wait times. Went into store, and was informed I needed new device. I paid for new device but it never came. 


I refused to pay bill for device and service I did not receive. XXXX sent me to a credit collections service that goes by Maury Cobb Attorney at law. They have been notified I am disputing this with XXXX, but have continued to collect and have negatively reflected this on my credit report. 

XX/XX/18 I called XXXX XXXX to inform them the reporting was inaccurate and I would be contacting the CFPB and BBB if they did not attempt to work with me. I was asked to pay even after making them aware of the dispute/fraud, which is violation of FCRA. When I stated I wanted this removed from my credit, the collector implied it would be if I paid it. This is also a UDAP violation, because paying of the debt does not remove reporting. 

Lastly, overall they have committed TCPA violations through FDCPA. They have repeatedly called my cell phone over the last several months even after being notified I do not want to receive phone calls on my cell phone. 

XXXX / XXXX XXXX XXXX XXXX Last contact XX/XX/18
Product: Credit card

Around XXXX XXXX, I noticed a fraudulent charge on my credit card for an online purchase at Best Buy. I immediately contacted Citi to dispute the charge which they approved as fraud. A day later a package arrived at my house addressed to someone else from Best Buy. I called Citi back to report that the alleged package arrive to ask them for direction on next steps. They informed me that they could not tell me what to do with the package so its at my discretion but that they had approved my dispute and the money will be credited back. I decided to return the phone to Best Buy. I explained to the customer service rep the situation and told them I needed to just give them the phone back and he said they could n't do that but they would have to issue a credit. I tried explaining that Citi had already given me a credit but he said it must be processed as a return anyway. I have also requested from Best Buy and Citi the IP address of where the item was purchased to provide to the police which I have not received from either company. 
My complaint is now that 3 months later I see a charge on my citi card that occurred on XXXX XXXX but posted XXXX XXXX. When I called Citi to inquire they said they were recouping the credit since Best Buy returned the item. I told them I understood but wanted to given some leeway as now I owe $ 900+ which I viewed as a statement credit at the time and was never informed that this could happen especially not after almost 3 months. I am extremely frustrated that Citi did not set the expectation of their policies on the front end nor was anything at any point communicated to me. I am a loyal customer who pays my bill in full every month, now I will endure a financial hardship for something I did not create. Once the credit from Citi was not corrected within a month, I reallocated my budgeted money. I asked Citi if there was anything they could do for me because of unexpected charge and now my responsibility to pay for it which will cause a financial hardship this month. I was only offered a {$75.00} statement credit for my time.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 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 XXXX and fraudulent collections appearing on my consumer FICO credit report XXXX I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the mentioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notificationof this debt. If in fact, you believe you sent me proper notification. Please provide the certified mail receipt with my name and signature on it. Stating I received the proper notification of this debt. Cease any credit bureau reporting until debit has been validated by me. -revoking all rights of communicating with you through email, text, calls -also please provides with your license to collect a debt in my state of XXXX. My consumer laws were also vaildate Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account information according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleadin, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies Without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 7 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: 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 : XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXX/XX/year>2025 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 
XXXX XXXX XXXX Acct XXXX, has violated my rights. 
XXXX XXXX ACCT : XXXX, has violated my rights.. 
Department of EducationXXXX Acct : XXXX, has violated my rights Department of EducationXXXX Acct XXXX XXXX XXXX has violated my rights. 
Department of EducationXXXX Acct : 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: Credit reporting, credit repair services, or other personal consumer reports

15usc1681b no permission to place on consumer report.

Privacy law broken according to the privacy Act of XXXX  which protects personal info held by federal gov't preventing unauthorized disclosures of such info. Consumers have the right to review such info, request corrections, and be informed of any disclosures. 
Each violation is {$1000.00} per violation Late fees should not be reported according to 15usc1666b timing of payments 15usc1681 ( 2 ) a ( i ) is a transaction report, and transactions are excluded from the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX chargeoff account ... Business tax deduction, worthless, uncollectible debt, needs a 1099c..balance should say {$0.00} since it is already paid by the IRS. 
XXXX XXXX XXXX XXXX also a charged off debt that needs to be removed off of the account or reflect a {$0.00} balance, which is uncollectible, worthless debt, business tax deduction, need a 1099c
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX transunion and 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this XXXX XXXX credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this Business activity on my Consumer credit report
Product: Credit card or prepaid card

I have a XXXX XXXX managed by Continental Finance Company through the XXXX XXXX XXXX that I applied for through XXXX XXXX. I applied and was approved for a credit line of {$750.00}. When I first applied for the account I was told that if my account remained in good standing for a period of 6 months that I would be eligible for a double credit line increase, when my 6 months occurred and I applied for the increase my increase was declined and I was told that I could reapply every 30 days which was wrong. So every month I applied and was continually declined. After almost a year time frame I inquired as to why, and it was later discovered that because of fraud on the account and declined transaction that occurred during fraud periods my request was being denied. This was not my fault and due to no fault of my own and I had kept the account in good standing and made payments on time and kept my end of the agreement. The bank has not, I spoke to a supervisor and she confirmed information was true and they overrode the denial and gave me a credit limit increase of XXXX not double like the initial offer I was told or shown online. When I complain I was given the brush off and nothing ever was done about that. I am almost 18 months into having this credit card and the terms says if you keep account in good standing every 6 months there is an increase because the card is for building credit. I am due for my 3rd increase as almost have the account 18 months and I have not even received two increases and never been late on payments and kept account in good standing other than fraud on my account. I was due again for the second increase on XX/XX/XXXX because last increase was XX/XX/XXXX and it had been 6 months. Again!!! I was denied because of a declined transaction when fraudulent activity occurred this is not fault of mine, my account has remained current and paid on time and I have held up my terms, but the bank has not. I called in and spoke to a supervisor and she advised she would send for manual review like before and would follow up in 72 hours, and of course no follow up call. I call and speak with another supervisor who advises that yes they confirmed limit increase was denied because of declined transaction during period of fraudulent activity and was due to a charge being declined at XXXX when fraud was occurring, again not my fault!! She states that the manager I spoke with would be confirming and following up at beginning of week, again no follow up. I calll again XXXX and speak with someone and they say same thing and someone would follow up. I call again and am told the request was declined again and decision was made on XX/XX/XXXX, why? It is not my fault fraud occurred and Im upholding my end of the terms of the card but the bank is not! You keep denying credit line increases because of things not within my control. I should have 3 credit limit increases by now according to your terms of the card and I have received one and it wasnt even double like I was told when I applied for the card! This is unfair and they are not upholding the terms and conditions of their own card
Product: Credit card or prepaid card

I have a XXXX Credit Card. I had a Special Non Interest Promotion. I was Paying more than the Minimum Payment and was not aware that Payments would need to be called in to apply to cover that Promotion. I speak english but do prefer to have written correspondence in XXXX. I recieve a Email advising that a promotion had expired. Interest was applied to my credit card and when I tried to call the Bank to see what options I had I was told that there was nothing they can do. I asked about the terms and conditions, since my son who works for a Credit Card Company advised that there should be a way for them to reallocate the balance. since more than the minimum was being paid. To waive the interest that had accumulated ; however the Bank told me that there was nothing that could be down and that pretty much I had to pay the Balance and figure it out. No options were provided by Customer Service or a Manager. I later became ill and was in the hospital for over 3 months when I called the bank to explain the situation they told me it was policy that they were only able to waive one fee in a 12 month period. I would have to the fees and the information could not be corrected and sent out to the credit bureau. since it was pretty much my fault that I got sick. So now I am forced to pay a multitude of late fees and int. which as a senior citizen my income will not allow me to pay such high bal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I would like to submit a complaint against   XXXX   I have disputed a account that does n't not belong to me the credit agency name is FAIR COLLECTIONS AND OUTSOURCING and I have ask for proof showing that this account belongs to me I have contact the credit agency also and they have this account under a person name  XXXX   XXXX  and my name is  XXXX   XXXX  I have never changed my name or used another name and have contact both parties and nothing has been done expect  XXXX  has sent my credit report to be stated " VERFIED '' but nothing was sent to me showing how this was verified I sent over a copy of my ssn and Drivers lincense card to them and still nothing has happen and they have not verified to me how this info was verified I would like the incorrect info off of my credit report as this does not belong to me
Product: Debt collection

I am writing to dispute and request an immediate investigation into certain items on my credit report, which I believe are reported inaccurately. After reviewing my credit report, I have identified discrepancies that are causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into these matters and provide me with the results in a timely manner, as required by law. If any documentation or clarification is needed, please inform me promptly. The following items require your immediate attention : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. I do not recognize this public record, and it is not associated with me. Reporting this item is erroneous, and I request its immediate removal from my credit file. This inaccurate information is detrimental to my creditworthiness and must be corrected : XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX Filed on XX/XX/2017. Failure to address and correct these inaccuracies within the stipulated timeframe will leave me with no choice but to pursue legal action to rectify the harm caused by these reporting errors.
Product: Money transfer, virtual currency, or money service

I initiated papers to have a direct transfer from Wells Fargo to XXXX XXXX XXXX of a Roth IRA, account # XXXX. Supposedly the IRA transfer office in XXXX XXXX, SD transferred the funds by mail on XXXX/XXXX/2017. After 1 month and the funds not being received by XXXX, I sent stop payment papers to Wells Fargo in S.D. and although XXXX XXXX says the papers were delivered XXXX/XXXX/17 @ XXXX, Wells Fargo said they never received them. On Thursday, XXXX/XXXX/17 The local branch of Wells Fargo faxed the papers and on Friday they said they received them but it would take 3-5 business days for them to stop payment and another 90 days for them to re-issue a new check. Given that XXXX never received the funds in the first place and Wells Fargo claims they never received the stop payment papers delivered by XXXX XXXX, the 90 day waiting period, I am concerned I will never receive my funds.
Product: Money transfer, virtual currency, or money service

I sent {$13000.00} from XXXX XXXX XXXX XXXX Coinbase Inc on XX/XX/XXXX, here is the receipt, We have successfully sent the following transfer : XXXX Item # : XXXX Amount : {$13000.00} To : Coinbase, Inc Fee : XXXX Send on Date : XX/XX/ Service : Same Day ********************************************* Coinbase owns XXXX, and it promised that " Bank wire transfers may be credited to your XXXX  account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' I've contacted XXXX and it's been about 2 days but nothing shows in my account. 
My XXXX account is XXXX XXXX
Product: Consumer Loan

I purchased a XXXX XXXX XXXX from Consumer Portfolio Services on XXXX/XXXX/XXXX. The original loan was for {$20000.00} and I have been paying on this vehicle for 1 year 11 months and the balance is {$19000.00}. My monthly payments are {$470.00}. I have paid {$8600.00} to date on this loan {$1500.00} has been applied towards principle and {$7000.00} is interest and other fee 's. My vehicle has a blue book value of {$8400.00}. I do n't understand how it is legal for the principle balance to be so high after almost 2 years of paying this vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  still have not deleted my public report that is fraud and not mine. As you can see, XXXX  deleted this as I provided them information that this is NOT mine. 
Experian and XXXX  continue to say its " verified '' so I sent a MOV letter but they have provided no documentation besides that it was verified. 

Experian and XXXX need to delete this as this is NOT mine and XXXX  does not have this on my credit report as its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be DELETED. 

1. BankruptcyXXXX Case Number : XXXX 2. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX XXXX Account Number : XXXX 8. XXXX XXXX XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX XXXX XXXX XXXX  Account Number : XXXX 11. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX 12. XXXX Account Number : XXXX 13. XXXX XXXX XXXX Account Number : XXXX 14. XXXX XXXX XXXX Account Number : XXXX 15. XXXX Account Number : XXXX 16. XXXX XXXX XXXX Account Number : XXXX 17. XXXX XXXX Account Number : XXXX 18. XXXX XXXX XXXX Account Number : XXXX 19. XXXX XXXX XXXX Account Number : XXXX 20. XXXX  XXXX XXXX Account Number : XXXX 21. XXXX XXXX Account Number : XXXX 22. XXXX Account Number : XXXX
Product: Debt collection

I sent them a cease and desist letter asking to stop trying to contact me and I was in the process of contacting the original creditor About this debt thy claim I owe. 
And to remove all entries to the credit bureau because there inaccurate