23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I sent Equifax a copy of my police report reverifying the account was fraudulent and they removed it and the creditor sent me a letter in the mail confirming the deletion of the fraudulent account. But I recently checked my credit file and the account has been reinserted onto my credit file and is lowering my credit score affecting my chances of getting approved for credit.
Product: Debt collection

We sold our business on XX/XX/2020. We waited until XX/XX/2020 to close down our mobile service with XXXX. We called several times to cancel the account and switch services. I went with my existing wifes plan and my parents chose to start their new plan in XX/XX/2020. Now, we are told we owe on monthly services we didnt use due to new accounts and phones XXXX said they didnt receive. {$280.00} for a month unused. The phones were returned and XXXX has the tracking numbers. I called today and they said their mistake, they found 3 of the 5 phones were returned. They still cant track the forth phone. I called the collection agency and they told me I have to call to update their billing. My complaint is with XXXX for sending a bill to a collection agency that they admit was incorrect. My 2nd complaint is with the collection agency that just wants to get paid and ignore that fact that I do NOT owe the amount they are calling and emailing about paying. 
The collection agency is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ext XXXX XXXX acct # XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX TEXAS, docket XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank account XXXX, XXXX account ( XXXX ) XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX account XXXX, XXXX XXXX account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 

XXXXXXXX XXXX  opened XX/XX/XXXX acc # XXXX XXXX  XXXX opened XX/XX/XXXX Acc # XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report.
Product: Credit card

I signed up as a brand new customer for a Citi XXXX  card. XXXX Balance transfer from existing card requested. They ran 2, one for an incorrect amount, and are charging me transfer fees for both. Refuse to give me any assistance on the matter. I've called 4-5 times, tried to use chat feature. Transfered around in a loop. Different or no information from each employee. No assistance. No information. No help. No follow through on any communication or documents they stated they would provide. I did not get a chance to dispute this sooner because I was unaware of the issue and it did not post to my account or statements until it had already cleared and now they claim they can do nothing.
Product: Credit card

I originally opened a credit card with capital one. Then I set up my bank XXXX to pay the capital one credit card off. Everything was fine with payments and all until I unlinked my XXXX XXXX  and added in the XXXX XXXX banking information. I checked my statements with XXXX XXXX but it appeared as if I never paid off the capital one credit card but somehow the money appeared on the credit card statement which was later refunded back to a bank that was not mine - fraudulent card name _ XXXX XXXX. I called in to report to capital one & XXXX XXXX since I do not own any type of cards with XXXX XXXX this fraud. I noticed when my credit score dropped XXXX points and I was pretty much confident I had paid off my credit card thats when I noticed the fraud. Capital one does not want to take responsibility saying there is nothing they can do. I am pretty much upset on how the system says FDIC covers for this types of issues yet fails to comply with my current situation. 
I dont know what else to do- it robs me money that never will be liable from credit bureaus - messes up my credit score and all.
Product: Checking or savings account

My account at XXXX XXXX XXXX, Wells Fargo and XXXX XXXX  the accounts where accessed and joint accounts where added I was never able to access the accounts because of joint account access that indidnt authorized.I never transferred funds out the country nor I never spent or transferred not XXXX dime of money at any bank my card use was restricted..There are other banks that I never even access.there is bank that I didn't receive compensation for because I didn't know what bank it is.Im a victim of identity fraud and want the banks to be notified and given me new accounts with the funds that I was supposed to have in accounts that I'm entitled to.I am divorced it should be just a sole proprietorship account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX 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. 

Also, this above-mentioned collection agency violated the Fair Debt Collection XXXX XXXX. XXXX XXXX ; XXXX XXXX. XXXX, codified as 15 U.S.C. 1692 1692p, by placing a negative item on my credit report without following the rules. These are stated below : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally XXXX  days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally XXXX  days ) for a notice that the message wasnt delivered I was never contacted via mail, phone, or email to be given a chance to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Paypal place my money on hold without my consent. Despite me havign an account for several years and transacting with a specific person many times over the years paypal froze my account. transaction number : XXXX
Product: Credit card

Wells Fargo is committing Securities Fraud by, taking my Endorsed Promissory Note and securitizing it and depositing it into assett pool to be traded ton the secondary market for gains and dividends to enrich them selves off of my property. 

Please refer to attached documents for full description this of Security Fraud violations matter.
Product: Credit reporting or other personal consumer reports

Got notice my information was exposed on dark web pulled report noticed accounts I did not approve
Product: Credit card

Citibank sent a bill around XXXX/XXXX/15 for XXXX, when I received the bill I called Citibank to clarify mistakes on that bill. Now here were the mistakes, for some time we were carrying a large bill in the amount of XXXX which we were able to pay off on XXXX/XXXX/15. Just prior to paying off the entire bill I disputed two payments of XXXX from XXXX around XXXX/XXXX/15 and told Citibank NOT to accept anymore charges from XXXX and that I contacted them to tell them NOT to submit anymore charges. When I received the bill from Citibank around XXXX/XXXX/15 they had credited my account XXXX but the purchases showed a charge from XXXX on XXXX/XXXX/15 and a XXXX for XXXX and interest charges of XXXX. Bill due XXXX/XXXX/15 for XXXX after the credited amount of XXXX was subtracted. I contacted Citibank to question why they had placed a XXXX charge for XXXX on XX/XX/XXXX15 when I told them NOT to do that. No explanation, I also questioned the interest charges and wanted an explanation as to how they calculated these charges because these interest charges on the bill were confusing and contradicting the way they were written on the bill. Again no explanation. I told Citibank that I would not pay any bill until they resubmitted a corrected bill and gave me the explanations to what I requested. They ignored that request and continued to submit two more monthly bills with more interest charges and late fees totaling now XXXX and Citibank has turned this matter over to a collection agency. I had an attorney involved but due to the small amount of the bill he could not get approval from my coverage to take the case and recommended this course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 5th dispute letters to Equifax, since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I disputed there were several inaccuracies on my credit report with XXXX, TransUnion, and XXXX. 

The spelling of my name was wrong. 
The correct spelling of my name is XXXX XXXX. 
There were old and fraudulent addresses still on my credit report. 
My current address for the past 13 years is XXXX XXXX XXXX XXXX, XXXX FL XXXX There are several inquiries on my report in which I have no accounts with, or havent had in the past. 
And there are closed accounts that I agreed with the creditors to delete when paid.