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

I contacted XXXX multiple times complaining about XXXX XXXX and XXXX XXXX submitting false information to disrupt me credit score and my life in general.there both wanted by the XXXX district of New York US marshals XXXX and are under investigation by the new York states attorney general office please call XXXX XXXX and confirm for XXXX bank fraud etc. and XXXX continues to accept information from these two fugitives that are seeking revenge for me reporting the i was an XXXX in XX/XX/2016 now i'm a XXXX  can you have XXXX  explain this? they cant the only number XXXX should accept from any regular person in from my phone if there no bank financial instantiation this fraud as stop me from securing a car loan a credit card i'm XXXX i don't have many option on a fixed income thank you XXXX XXXX XXXX i would like my credit score restored its correct number and no number but my own personal home phone be accepted for information accept for financial instantiation that are verified to be real financial instantiation.And do to the fraud TD Bank denied me a credit card claiming i was last is the last 12 months which isn't true at all because XXXX and XXXX contacted both XXXX  and TD bank harassing empolyee 's pretending to be me using my Social security number name address and D.O.B thank you XXXX XXXX XXXX and the CFPB staff for helping resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters with certified tracking asking the credit bureau to remove Un verified account.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$100000.00} XXXX XXXX Balance : {$5300.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my vehement objection to the blatant violation of my rights and the egregious disregard for consumer protection laws by your company. This is nothing short of fraudulent behavior, and it is imperative that you address this matter promptly. 

The unauthorized sharing of my non-public information is not only a breach of privacy but also a clear infringement upon my rights as outlined in 18 U.S. Code 1028A. I want to make it explicitly clear that I did not provide consent or authorization for the dissemination of my personal information.

Furthermore, your reporting practices are in direct contravention of consumer protection statutes. According to 15 USC 1681 section 602 A, I am entitled to privacy rights that have been callously disregarded in this situation. Additionally, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency is prohibited from furnishing an account without my written instructions.

The violation continues with 15 U.S.C 1681c ( a ) ( 5 ) Section, which expressly prohibits the inclusion of adverse information in a consumer report that antedates the report by more than seven years. The persistence in reporting such information is not only inaccurate but also constitutes a direct violation of the law.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) unequivocally states that a person shall not furnish any information to a consumer reporting agency if there is reasonable cause to believe that the information is inaccurate. It is abundantly clear that your actions are in direct contradiction to this provision. 

I demand an immediate investigation into these egregious violations and an explanation for this unconscionable breach of privacy. Failure to rectify this situation promptly will leave me with no choice but to pursue all legal avenues available to me to ensure justice is served. 

This matter requires your urgent attention, and I expect a comprehensive response within the shortest possible time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # 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

In accordance with the Fair Credit Reporting act XXXX, has violated my right. 

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. 


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
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I paid {$99.00} via PayPal for upgraded seats on a flight on XXXX XXXX. On XX/XX/XXXX when that flight took place, XXXX XXXX changed equipment and my seats were not upgraded. I asked about my {$99.00} and was told to contact XXXX customer service. 

I did that upon my return on XX/XX/XXXX and also notified PayPal. PayPal instructed me to first seek resolution with XXXX and that I had until XX/XX/XXXX to dispute any charges. 

I have been trying to work with XXXX XXXX to refund the amount to my PayPal account. They instead have asked for banking information for an international transfer of funds, which my bank ( XXXX  ) does not do. 

On XX/XX/XXXX, I formally disputed the transaction with PayPal, seeking their assistance with one of their merchants. The following day, PayPal decline my dispute, saying I needed to dispute the transaction within 30 days. I explained that per their direction I had been working with XXXX XXXX and that, if anything, their delays in resolving it pushed my dispute date into XXXX- but further - per their instructions I had until XX/XX/XXXX to dispute charges. 

I have continued to work with both XXXX and PayPal but have yet to receive a refund. XXXX said they would refund to PayPal ( attached ) but then later said they would not, despite it being my original form of payment. PayPal is refusing to intervene with a legitimate refund from one of their merchants, and in the latest email ( attached ) from XXXX, they have asked for PayPal banking information ( not my account information with PayPal but actual banking information ), which PayPal does not provide. When I received the latest request, I reached back out to PayPal for assistance again, and they said they would add a note to the file. 

I am asking for assistance in resolving this issue and obtaining my refund for services not received. I am further requesting that the refund occur to my original form of payment PayPal. It has been nearly XXXX months and had PayPal not told me to work with the merchant, which delayed the process, I would have disputed the claim sooner. 

The delay was not on my part but was on XXXX XXXX delays between XX/XX/XXXX and PayPals deadline ( again, it should be noted I followed PayPals instructions and feel they should still have intervened since the delay was not due to my actions but XXXX XXXX actions ).
Product: Credit card or prepaid card

XXXX XX/XX/2023, I contacted Wells Fargo to request they send me a check for my credit balance of {$2300.00}. They said that was not a problem, and I would receive the check in about XXXX weeks. 

As of today, XX/XX/XXXX, I have called them MULTIPLE TIMES with no luck. THEY STILL HAVE MY {$2300.00}. 

The keep saying they sent a check on XX/XX/XXXX, but I do not believe them. I receive my statements from them, and yesterday I received a letter from them telling me they sent me a check, which they did NOT. 

I keep calling and now it's almost XXXX months and they still have my money. Today, they told me I have to complete a form to verify that I did not already receive the check! They will not put a stop payment on their check and issue a new one until I verify with them that I didn't receive the check AND FIND A NOTARY, PAY FOR A NOTARY AND RETURN THE FORM TO THEM. 

We all know it's ridiculously easy to find out if a check has been cashed. It's just another delay tactic for them, and they could care less that I don't have my money. 

For me, {$2300.00} IS A LOT OF MONEY. I NEED THAT MONEY AND I DON'T BELIEVE I WILL EVER RECEIVE IT. 

TODAY, THEY EMAILED ME AN AFFADAVIT THEY WANT ME TO COMPLETE WITH ALL THE INFO FROM THE CHECK THAT I NEVER RECEIVED. HOW AM I SUPPOSED TO DO THAT? THEN, THEY WANT ME TO PAY FOR AND GO TO A NOTARY AND HAVE IT NOTARIZED. I TOLD THEM TO GO TO XXXX. 

PLEASE HELP ME GET MY MONEY. 

Thank you, XXXX XXXX
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 : XXXX XXXX XXXX, # XXXX ACCOUNT : XXXX XXXX XXXX XXXX # XXXX, ACCOUNT : XXXX XXXX XXXX  # XXXX ACCOUNT : ACCOUNT XXXX XXXX # XXXX, ACCOUNT : ACCOUNT XXXX XXXX # XXXX, ACCOUNT : XXXX XXXX XXXX XXXX  # XXXX, ACCOUNT : XXXX XXXX, # XXXX, ACCOUNT : XXXX XXXX XXXX XXXX # XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX # XXXX ACCOUNT : XXXX XXXX XXXX  # XXXX 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 1681 s-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: Checking or savings account

Santander Bank NA offered high interest rate CDs about 18 months ago. Bought two substantial CDs ( different maturities ). f Was told I had to also open a checking account as part of their teaser rate offer. I told the desk officer that I had no intention of using another checking account, and was told that would be fine. Also expressly asked whether there would be any fees, and was told " No. '' So I also opened a checking account with {$100.00}, and did n't even bother ordering checks. 

In XXXX of this year, received a statement which, in fairly small print, said " If your account remains inactive for one year, we may discontinue mailing paper statements ( online statements will still be available ) and, depending on the type of account you have and your balance, we may begin charging an Inactivity Fee. '' Note the use of the word " may, '' twice. 

That statement showed a deduction of {$16.00} for Inactivity Fee, so balance down to {$84.00} as of XXXX/XXXX/XXXX. 

I decided that was minimal, so took no steps at that time. Figured at {$16.00} fee annually or quarterly, the yield on the CD 's still made the transaction worthwhile. 

But unless my memory has failed me, the next statement I received was just this past month -- XXXX XXXX. It had the same legend as quoted above, but showed the checking account balance as {$0.00}. In fact, showed that XXXX balance as of XXXX, which means that between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, Santander had taken {$84.00} in Inactivity Fee ( s ). That 's in 6 months, and w/o sending monthly notices. 

I have a very hard time believing that these undisclosed withdrawls were based on ad hoc decisions. I have to believe that when Santander said it " may '' discontinue monthly paper statements, it had already programmed to cease monthly paper statements. Similarly, when it said it " may begin charging an Inactivity Fee, '' it had already programmed to do so, and knew what the amount and frequency of the fee would be. 

In all, Santander 's comments and printed materials are misleading in the extreme. Over {$100.00}, I ca n't do much more than send this complaint, but I imagine others have had similar experiences and perhaps you could get them to be more accurate in their printed materials. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$6800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Credit reporting or other personal consumer reports

Equifax : TEXAS ATTORNEY GENERAL-CHILD SUPPORT account on my credit report-There are ( 2 ) accounts on my credit report with the same account/case number but different open dates. I have sent 6 disputes by mail and online with supporting documents showing I have only ( 1 ) open case with TEXAS OAG and the correct start date along with my payment history and pay stubs with no late payments but no resolution. EQUIFAX states creditor verified the duplicate cases which makes no sense. I cant get a response from TEXAS OAG on it.. XXXX : TEXAS ATTORNEY GENERAL-CHILD SUPPORT account shows that the account was opened in XXXX and all late payments in XXXX. I didn't even get divorced till XXXX. The case was opened in XXXX. Again, sent numerous documentation including the judges order stating the date the account/case was opened and payment history showing all payments made on time and started in XXXX. XXXX states that TEXAS OAG verifies that the account was open in XXXX even though I have court documents and TEXAS OAG documents showing XXXX. I cant get any response from TEXAS OAG. I just need TEXAS OAG to report my payments history and account start dates correctly. I am not sure what else to fix these errors with EQUIFAX, XXXX and TEXAS TTORNEY GENERAL-CHILD SUPPORT. I requested for documentation from all 3 in writing and online showing their verification and method of verification as I had the court orders signed by a judge and TEXAS OAG case details. I was not provided this in the 4 disputes that I requested from all 3.
Product: Vehicle loan or lease

The company credit acceptance is reporting three late payments on my credit report, ,I 've asked for them to be removed and there stating they ca n't do that ..false information
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to creditors to remove a hard inquiry XXXX that was put on my report without my knowledge, also reach out to the Equifax and XXXX XXXX on this matter. I sent several certified mail to bureaus, and calling them and still nothing.
Product: Debt collection

I'm a victim of identity theft. I recently viewed my credit report and I noticed that false inaccurate debt was listed from multiple collection agencies. I reached out to different collection agencies regarding this issue. According to the FDCPA I'm required to receive all original documents of debt that is claimed to belong to me. Unfortunately, I was not given that privilege which resulted in me filing this complaint. My goal is to resolve these issue, fix these errors and hopefully get all debt collection items removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

This Company they did not have a complete of information of this debit, They have only my Name last digit social security and my original address, but they did not have a other info about the debt.The same debit was deleted previously from my credit report, from one other company that thy cant verified all the necessary information. Harvard Collection Service located on XXXX Il they are rude people they call me and the operator threat on me that the sheriff dept is on there way to arrest me if i do not pay over the phone, I contact my local police department to file a claim against of those threats
Product: Debt collection

I receive at least 5 calls from this company every day. They leave a message to call them back and in a few hours, they call again. They call constantly - mornings, afternoons, evenings and weekends. This is the national collections departments. I also receive daily calls from the local collections department on my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the customer service department did not help remove the negative inquiries that are reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 : 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 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: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I haven't received any response from them. 
Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband XXXX XXXX  on XX/XX/XXXX. At the time of his XXXX he had a home equity line of credit open with XXXX XXXX. My name was on the account, even though at the time of our divorce in XXXX, XXXX, he had agreed to assume responsibility for the loan. When I discovered that he still had a large balance owing ( over {$10000.00} ) at the time of his death, and that my credit score was beginning to fall, I paid the loan off until the estate settled, in order to save my credit. 

I followed this action up with a letter to XXXX XXXX   requesting that my credit score be repaired, and stated that I was not legally responsible for the loan per our divorce paperwork. They refunded me the entirety of the loan, and promised IN WRITING that they would remove my name from any association with the HELOC. 

Not only has this not happened, they have now reported the debt as charge-off ( bad debt ) ... which is exactly the opposite of what happened. They ADMITTED THEIR MISTAKE AND REFUNDED ME THE MONEY ... but are calling the account a bad debt. And now, my credit has continued to plummet. 

I have made numerous phone calls both to XXXX XXXX   and to Experian to try to get this resolved and nothing has been done. Experian sent me a very detailed report that said basically nothing -- no information whatsoever on what their conversation with XXXX XXXX was. 
I greatly need help.
Product: Mortgage

Received a letter XX/XX/XXXX concerning an escrow account in which they reported an increase in my taxes and insurance. However, in addition to an increase of {$34.00} a month to cover the increase, they want an additional {$1400.00} added to my XXXX  mortgage payments and are unable to provide any backup as to why I owe it.

I have made several attempts to resolve. So far their explanation is that they had to pay off the home insurance company to keep my coverage after they FAILED to pay it the entire year of XXXX. I actually did not have insurance that entire year. I have several questions they seem unable or unwilling to answer : ( 1 ) Why am I responsible to pay anything AT ALL for the year in which I did not actually have any coverage? ( 2 ) What did they do with the money I paid into escrow to cover home insurance? ( 3 ) What is the supporting documentation to demonstrate where the supposed {$1400.00} debt comes from? They are now simply not answering my calls.