23daVinci/CFPB_Complaints huggingface dataset:
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 confidentially under 15 USC 1681. 



Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX User Social XXXX Account Name : XXXX XXXX XXXX User Social XXXX Account Name : XXXX  XXXX  User Social XXXX Account Name : XXXX  User Social XXXX Account Name : XXXX XXXX  User Social XXXX Account Name : XXXX XXXX  User Social XXXX Account Name : XXXX User Social XXXX Account Name : XXXX XXXX User Social XXXX Account Name : XXXX XXXX XXXX XXXX User social XXXX Account Name : XXXX User Social XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Vehicle loan or lease

I was not late on any payments on this loan. It shows late payments in XX/XX/2014 and XX/XX/2014 XXXX
Product: Student loan

In 2010, I started school at XXXX XXXX XXXX in XXXX XXXX, LA. School went as planned after graduation however, everything immediately turned into a never ending nightmare. This institute was sued for predatory lending and i was a victim of its bad practices. If that wasnt enough i could not find a job in my field, my transcript was not available to me, nor was my payments being sent to lower my loan balance. The loan was then consolidated without proper paperwork. I made payments for over a year it wasnt calculated and it also gave me late pays on my credit report. This institute is now affecting me for a mistake I made in allowing myself to fall victim of this predatory scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. By the start i am using my account there is no any dispute against my account butt company saying there is risk. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days. But I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 10th CFPB complaint, Equifax refuses to take anything seriously, and instead of removing accounts that are not mine, they add an additional account to my credit report that is not mine. Equifax is intentionally adding accounts or addresses that are not mine. I'm filing a federal lawsuit on XX/XX/21, this is the last time I'm trying to resolve this out of court.
Product: Money transfer, virtual currency, or money service

Ive been banking with WF for 15 years. I was a victim of a XXXX through Wells Fargo. 
I found complaints with all the different organizations including the cfpb and was denied my claim. 
I have discovered additional information regarding this case that Wells Fargo has closed. 
The text message the scammers sent me is on the same chain link of messages that Wells Fargo has been sending to me for years. That means the scammers hacked into Wells Fargo text message center..!!! 
Also... The authorization code the scammer sent me.. I did not approve that transaction, I was tricked and coerced into sending that money. 
Regulation E, And unauthorized ETF includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. 
I was fraudulently induced into sharing account access information by third party scammer. 

the bank must reimburse the money I lost through the scam
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$550.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Capital one put a restriction on my account for normal card use. I can not dispute any charges or issues on the account without sending them a copy of my license and SS card, which I am extremely uncomfortable doing. I can verify every purchase, I'm calling from the number on the account, I've verified things by email and by regular mail and that is not sufficient.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my first request 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, remove the noteworthy of any information in my credit record that came about due to an 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 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

On XX/XX/XXXX, we sold our house. At that time, we had XXXX XXXX XXXX/XXXX  service. I called to let them know we needed to cancel because we sold our house and was moving to a temporarily residence with family/friends for about 2-3 months. XXXX advised to send all the equipment back, which I did in XX/XX/XXXX via XXXX drop off. They would suspend our account until we moved to our permanent residence. On XX/XX/XXXX, we moved to our permanent. However, we moved into lofts/apartments and our only choices for cable are XXXX XXXX XXXX XXXX or XXXX because the residence does not allow XXXX installation. I decided to go with XXXX XXXX XXXX XXXX and when I called them in XX/XX/XXXX to set up service, I let them know that my XXXX account was suspended, but I needed to cancel since we are installing XXXX XXXX XXXX XXXX. Everything was going fine and then, I started receiving bills from XXXX account number XXXX in XX/XX/XXXX. I explained my situation that we no longer lived at our previous address and said we know have XXXX at our new residence and we no longer lived at our previous address, but my explanation went unheard. I continued to receive bills from XXXX in XX/XX/XXXX, XX/XX/XXXX and finally in XX/XX/XXXX I spoke to XXXX XXXX XXXX XXXX and explained my situation for which seemed 100th time and that agent apologized for my frustration. Agent said, I shouldn't have to go through all this and would make it right. I have heard that before, so I was not too optimistic. But, on XX/XX/XXXX, I received a series of emails from XXXX to confirm my account has been updated with a credits of {$11.00}, {$210.00}, {$22.00}, and {$4.00}. In addition, I received an email from XXXX informing me that regrettably my XXXX XXXX was disconnected. How could it be disconnected when I had sent the equipment back in XX/XX/XXXX and didn't have the service since then? And then, I received a statement from XXXX dated XX/XX/XXXX, I received a bill from XXXX for {$57.00} to please pay. No explanation of why I was being billed only to please pay upon receipt. I received the billing statement on XX/XX/XXXX, and I immediately called XXXX at XXXX XXXX CST and spoke with an agent and said it showed a XXXX balance. So then, on Monday XX/XX/XXXX, I received a collections call from Diversified Consulted Inc. that I owed {$59.00} to XXXX. XXXX has reared its ugly head, I stopped the agent and told them to DO NOT CALL because it has been a nightmare to say the least and went on to say the account was cancelled and now have XXXX XXXX XXXX XXXX and to not call be about this ever again. I called XXXX XXXX XXXX XXXX and here I go again, I explained what happened and was beyond fuming for this going on for a year. Come to find out XXXX is charging for cancelling fee. REALLY? I am still with XXXX XXXX XXXX, why am I getting charged this fee. Please help me and make this right because this people are causing me anxiety and stress for something I shouldn't be paying.
Product: Money transfer, virtual currency, or money service

I have a business account with PayPal and a link on my website for customers to pay through. Well one customer clicked the wrong link and paid a full purchase price when he should have only paid a deposit on the item, which was another link. I refunded his money immediately and paypal still kept the transaction fee from me. I asked for a refund due to this being an error and they said no over and over again. Paypal will make me refund the full amount to the customer and still charge me for the customers error. This was XX/XX/2020. Amount {$2200.00}, transaction fee of {$67.00}. They have also given a customer a refund of a deposit they made knowing the deposit was non refundable. Plus kept the original transaction fee from me. So they took 300 dollars out of my bank account to give back to a customer that paid a non refundable deposit on a future puppy that hasn't been born yet. Accused me of not sending the customer the item and took the money back. Then kept the XXXX  dollar transaction fee I paid when the customer made the non refundable deposit. PayPal is continuing to steal from their own customers and making rules apply to their customers while they keep money for transactions that aren't final.
Product: Debt collection

On XXXX XXXX 2016 I had a check declined at our local XXXX XXXX store. I was given a ticket with a phone number to TeleCheck to find out the reason my check was not accepted. After several attempts I was able to speak with a representative with TRS Recovery Services. They informed me a check of mine written on XXXX XXXX, 2016 at XXXX XXXX did not clear and they would wave their fee of {$50.00} if I wished to give them my credit card number and pay over the phone. I told them I had no record of buying anything on this date and would not give them my credit card number not knowing if this was a scam. I asked why I had not received anything by mail informing me of this situation, but was not given an answer. I was instructed to go to their website and file a dispute claim if I felt this was an error. I have looked at their website and their claim form and it is requesting all my personal information such as social security number, drivers license number, bank account and routing numbers. I do not feel comfortable providing a company I have never heard of this information. While investigating this company on line I have seen several sites with comments of this being a scam and or a poorly run company that makes many errors in collecting for inproper payments.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXX XXXX  : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX XXXX : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXXXXXX XXXX XXXX XXXX : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXXXXXX XXXX XXXX  : XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Mortgage

In XXXX, Wells Fargo underwrote XXXX XXXX for a fraudulent loan on my account that input incorrect information which led to the wrongful foreclosure of my home in XXXX. They knew they lied on FHA documents that were submitted to HUD and did not care, nor did they attempt to do the required paperwork to modify the loan and input the correct information and documents that they were given initially. Because they lied to HUD about the nature of the paperwork and lied on the loan documents, I lost my home to a wrongful foreclosure because of Wells Fargo underwriting these bad loans., I was supposed to be compensated for my loss and never received that compensation, though I filed several complaints. They did not reimburse me for the loss of my home or their failure to modify the loan after the fraud was discovered.
Product: Debt collection

I have no contract with credence resource management. Ive never received any communications via mail calls or texts because I believe the information they have is inaccurate. I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX requesting the contract with them and they still have not answered that complaint as of today. This debt is invalid and should not be reporting to my credit reports.
Product: Student loan

I was told that it could be wiped off and consolidated but they just kept putting it in forberance and adding interest every time. I 'm a single mom with no income at the moment. I have n't worked in a long time. I have explained this numerous times to them and was told it would get taken care of.
Product: Credit card

American Express delta sky miles, refunded me a promotion check, now they are charge me as a bill
Product: Credit card or prepaid card

On XXXX XXXX, I placed an order to install custom drapery for my home with XXXX XXXX, decorator for XXXX. I signed the contract and the drapery was to be installed within 8 weeks. 
After waiting for more than 19 weeks, I was appalled that the wrong drapery style was installed. After the installation I showed the contractor the style I and the decorator agreed on, he said that is different style. He said he will contact XXXX, the decorator. The same day I texted a picture of the newly installed drapery with the style I ordered to see the difference ( see attachment ). The difference is obvious. At first she was trying to convince me that it is the same style. The same day I emailed the store manager about the issue. She emailed me the next day and said the she will look into the issue. On Friday XXXX, XXXX came to my home to see the installation ; She saw that the wrong style was installed. She said she would email her supervisor to see what the next step will be. 
On XXXX, XXXX, XXXX she called me and said that she will not redo the installation. I will have to pay for a new order in full and she would give me 50 percent off on the previous order ( The wrong style ).. This means I wont get reimbursed for the wrong style that was installed. I would have to pay in full for a new order, and then she will give me 50 percent off on the wrong order, which was her fault. 
Since they refused to help, i disputed the charge with Capital One. Unfortunately Capital One did not try to resolve the dispute. Though i sent all the documents to show that i was misled by the decorator, Capital one did not try to resolve the dispute in good faith.. On XXXX, I called Capital One again and asked to speak to a supervisor. I spoke with XXXX, who was on the phone with me for more than 45 minutes. She said there is nothing she could do as i still have the custom drapery. It should be noted that the drapery was installed, and per the contract i was not allowed to return them once they were installed. XXXX called XXXX and asked to speak to customer service. Unfortunately they kept transferring her back and forth to the wrong department. At the end she called the local store and left them a message to call me. They never did. 
The text messages I exchanged with XXXX ( the decorator ), and the pictures of the style I was expecting, and the style installed showed that I was misled tremendously. 
The evidence for the case is overwhelming. I have attached pictures for the style installed, and the style I was expecting. I have also attached a copy of my email exchange with the store manager, and my text message exchanges with the decorator. 
I had two decorators come to my home to check the installation. They both said it is not the same as the one XXXX agreed to order. 
I am disputing a total charge of XXXX dollars posted on XX/XX/XXXX I have attached supporting documents
Product: Money transfer, virtual currency, or money service

Banking with Wells Fargo I would use XXXX and if I accidentally sent the money to the wrong person and contacted the bank they would let me know that I basically just lost out on money and I made this mistake more often then I should have. However there were a lot of instances where I was put in situations where I couldnt take care of myself because of the mistake of sending money to the wrong person ( s ) Like in XXXX around XXXX I was sending my rent money through XXXX to my landlord and I send {$680.00} that I couldnt get back because I sent it to the wrong number when they didnt have the warning on the website or another time in XXXX in XXXX I tried to XXXX  my hairstylist {$250.00} and accidentally sent it to the wrong person and when I called the bank they told me it was mother they could do it was another time after I opened up a bank account with XXXX  XXXX XXXX when I accidentally XXXX  a random lady while trying to pay my nail lady it was XXXXXXXX XXXX XXXXXXXX and the amount was {$180.00} there was another time in XXXX when I XXXX  {$50.00} on my XXXX  XXXX XXXX account to the wrong person and when theses mistake I would be told to try to contact the person who received the money and ask them to give it back that way but it wouldnt work.
Product: Checking or savings account

Statements as well as detailed breakdowns from wells Fargo representatives. I have disputed their claims as the overdraft fees, non-application of credit card payments, and account freezes. As a result my credit has dropped from not being able to pay my bills as a result.
Product: Mortgage

We purchased a home and took a job in what looked like an up and coming area of New Mexico in XXXX of XXXX. The job was at a XXXX XXXX, so it seemed pretty bulletproof. Not so, as we discovered when my husband was laid off after only two years on the job. We immediately put our home on the market as we knew we 'd be in trouble and 6 years later it was still on the market We struggled during that time to make the payments as we tried to sell the home and find another job in the area, a town of less than a thousand and 65 miles from a town of any consequence. We ran through all our savings and retirement money keeping up the payments, and my husband was able to find a job although it paid a third less then the job we had taken when we moved there. After my husband began to experience health problems which made him unable to continue working at the job he had found, we threw in the towel and ask the bank if we could do a deed-in-lieu of foreclosure. They agreed to it and said they would begin working on it. We were also made aware that a relocation allowance of {$3000.00} was available, which was a godsend as we had no money to move. We began the process and ceased making payments at that point. The bank dragged this out for literally years, and told us numerous times verbally ( because they NEVER put anything in writing ) that the relocation money was in process, that it had to go to a committee, that they would " be meeting Thursday, and the check will go out the next day ''. Our point of contact was repeatedly changed. When we were finally told we were denied in XXXX and my husband insisted that they give a reason, they said the investors had denied it. When further pressed, they said it was because we were n't occupying the property. We were out of state looking for work, but stayed with a friend of our son, and paid all utilities up to the month of the DIL and had a neighbor making sure everything was fine. Their assertion that we no longer resided in the home would be like saying that retirees who go to Arizona and live in a travel trailer for 6 months out of the year no longer reside in their homes. We literally were living in a travel trailer looking for work. During the last series of conversations with the bank in XXXX, they offered us one half of the relocation money, but later reneged and of course nothing had been put in writing except the denial which stated that we did not live there. Since the relocation money was a federal program one wonders what motivation investors would have to deny two now homeless people in their XXXX the means to move. We had to ask my elderly mother to loan us money.