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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$78.00} ; 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, credit repair services, or other personal consumer reports

XXXX XXXX has not verified the debt they have falsely claimed I owe but Experian continues to report it is verified. Ive reported this several times since XXXX Ive been denied credit several times due to the false reporting. Ive added court documents and they still continue to report false information. I most recently asked them to verify this debt again as of XXXX XXXX and yet they still say its verified. This has hindered me too many times. My next step is to sue. 
This dispute came back verified XX/XX/2021, XX/XX/2021, XXXX but they have never sent verification. They have not come with any proof or documents to combat my court documents.
Product: Money transfer, virtual currency, or money service

This complaint is against PayPal and what happened is as follows : on XX/XX/XXXX. while checking my PayPal account I discovered some unusual transactions that PayPal performed but I had not authorized. On these dates XX/XX/XXXX and XXXX a total of XXXX transactions were performed for the amount of {$20.00} each. These funds were used to buy XXXX. This same matter happened again in XXXX on the XXXX of the month for the same amount. I have contacted PayPal on both occasions explaining to them that I did not authorize these XXXX transactions and I requested a refund of the monies taken from my PayPal account. PayPal responded by saying that these transactions were done using my bank debit card ending with these last XXXX numbers XXXX. This debit card is from XXXX XXXX and had been closed earlier. PayPal claims that since a bank debit card was used I have to contact my bank to get a refund. I told PayPal that the XXXX XXXX account had been closed and my funds were not being held by the bank. PayPal was holding my funds and PayPal performed an unauthorized transaction by releasing my funds to an unauthorized transaction. PayPal refuses to refund my money. The amount totals {$120.00}. PayPal did refund XXXX which was the fees paid in XXXX and that's all they have refunded to me. I have been in contact with them several times about this matter. This matter is not the first time that PayPal has refused the respond to an unauthorize transaction.
Product: Checking or savings account

After having the same business account with the institution for more than 35 years, an employee received a notice at her home address that the bank has " decided to close the account.. '' When i called the number listed, they refused to say why they decided to close the account.
Product: Checking or savings account

Up until very recently Wells Fargo gave the option to contact them through email from within the account online. 

They no longer have that option and the only recourse they give to contact them electronically is through XXXX and XXXX. 

This creates a huge hardship in resolving account issues in a timely manner for those of us who do not want to put our financial information in the hands of XXXX and XXXX. 

Please have them resume the email option for contacting them. 
The wait time to call them can be excruciatingly long. Their email customer service was very helpful. 

By making it harder for customers to correct problems Wells Fargo will no doubt collect a lot of unnecessary fees.
Product: Credit card

I was running my credit for a rental as I ran my credit for the rental. I have resided at this address almost 9 years. 

I noticed on my credit report these inconsistencies. This account from Sterling Jewelers XXXX XXXX  shows that I do have a balance of {$2000.00}. I did speak with the company they are sending me an affidavit and we're hopefully going to get some information on what was purchased. Previously I had identity theft an the reason I found out was the owner is having to take back her home. Please take into consideration of helping me resolve this account as it's affecting my credit as it is I don't use credit nor have much.
Product: Credit reporting or other personal consumer reports

You do not have my permission to share my nonpublic information to unaffiliated third parties, namely XXXX, XXXX, and XXXX. 

I have the right to privacy under 15 USC 1681a ( 4 ). I was not properly informed of my right to opt out and would like to exercise that right, pursuant to 15 USC 680XXXX. There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Pursuant to 15 USC 1602, as of being informed of my desire to exercise my right to privacy, the reporting of this information is now an unauthorized use of my social security card for which I receive no benefit. Continuing to do so would make you negligent and could further damage my reputation and perceived creditworthiness leading to more financial damages for which you would be criminally and civilly liable should I have to resort to taking legal action, pursuant to 15 USC 1681o ( a ) ( 1 ) and 15 USC 1611.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Product: Vehicle loan or lease

XXXX XXXX. 

36 month lease on a XXXX XXXX  XXXX. End of lease XX/XX/XXXX. Lease paid on time every month {$920.00} 33 installments all on time. Vehicle was turned in with 2 key fobs end of lease fee was paid {$330.00} even with an initial payment of over 5k. Vehicle was also turned in with an upgraded wheel including OEM 20 '' tires and TPMS. BMW Financial did not close out the lease in addition tacked on another {$900.00} in unknown fees. Several disputes have been filed with the credit bureaus. I even went to XXXX XXXX XXXX XXXX, NJ directly to resolve the problem to which they said on numerous occasions it will be fixed. Then XXXX of XXXX sold the vehicle at auction with the more expensive wheels and tires I Paid for and I was not reimbursed. They still several months later have no provided me with any documentation on what the extra fees are.
Product: Mortgage

I received a Notice of Sale of Ownership of Home Equity Line of Credit via mail XX/XX/2021 from Specialized Loan Servicing ( date of loan XXXX Loan amount- {$40000.00} ). I informed them immediately via certified mail that this is a fraudulent loan and my signature was forged. I have requested a copy of the loan documents and never received a response. I spoke to a Customer Resolution person named XXXX, XXXX several times ( 4 ) via phone and informed him as well that I never signed for a Home Equity loan and he told me that Specialized Loan Servicing could not do anything and that I would need to file criminal charges against the person who forged my signature. XXXX stated that he would send me a copy of the forged loan documents. I called to follow up on XX/XX/XXXX and spoke with XXXX and he said the documents are in archive and is taking a while to be pulled and that he will send out within 7 to 10 business days but I had to agree to a loan modification in order to stop foreclosure and send them a check for {$6900.00}. I sent a check on XX/XX/2021 in the amount of {$6900.00} that they cashed and they never sent me the fraudulent loan documents. Now they are sending me a notice that they may pursue with foreclosure and that they offered me relief assistance which is not accurate.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I initiated a balance transfer for {$5000.00} from a XXXX credit card to American Express. I was told it would take 3 to 5 days. On XX/XX/XXXX, I called for status and was told there was a technical problem and it would be 3 to 5 more days. I called XX/XX/XXXX and there is no information available on status and was told it could be six weeks. I told them after all this time I wanted to cancel the transaction ( it is not being processed at this time ). They told me there is no possible way to do this. I asked if I could cancel my card and they said this would not cancel the balance transfer. 

I have excellent credit and would like to switch to a different card where the customer service people knew what they were doing. Nowhere in the agreement does it say a balance transfer can not be stopped, or that it will take an unspecified amount of time to accomplish the transfer. If they are unable to do the {$5000.00} balance transfer, I have no further use for this credit card.
Product: Credit card

Chase bank has been one of the absolute worse companies I have ever banked with. Just recently I tried to make a purchase for a gift card in store at a store I have purchased a gift card from before same time last year and the card got declined. I called Chase and spent over a week on the phone with different supervisors and departments to add security clearances and nothing has worked. They keep telling me to use a different payment method and there is nothing else they can do. During all these calls I have had supervisors on the phone telling me to drive back to these stores reassuring me the card will work and after attempting the card gets declined and my account is put under review locking my credit card from any kind of purchases. The account is put under review daily and I am unable to use the card for at least 24 hours. All I have had with Chase is problems and time wasting efforts. My plan is definitely seeking a new banking institution. I would also like to mention when attempting a balance transfer the only option Chase gives me is a checking account from over two years ago that is no longer open. I am unable to do a balance transfer with my own active Chase checking account. I report this to Chase and again they tell me there is nothing they can do. I would like others to know my personal experience because it has taken time away from my job and life in general in attempt to make a simple purchase for a gift card for a loved one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Hello Equifax, Recently, I viewed a copy of my credit report and noticed some old information that I need removed. I am certain that this account is affecting my credit scores, denying me of loans that I need for business expenses and costing me too much time and money every year. 

Listed below is the account that I have identified, and want to have removed. 

XXXX XXXX XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I ask kindly that this account be removed from all current and future credit reports. 

Also, I would appreciate it if you would please forward me the information of any individuals and or organizations you reached out to so I will be able to follow up with them on my end.

I am certain that 30 days is plenty of time for your company to look into this account.

I believe that under Section 611 ( a ), it is clear that the failure to investigate this account within 30 days constitutes a reason to permanently remove the information from my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a dispute through Equifax and XXXX regarding the balance of my closed XXXX account. It shows I owe {$8.00} but I had a check printed and sent directly through my XXXX account to XXXX. 
XXXX shows the transaction is completed ie XXXX cashed the check for {$8.00} so the balance should now reflect that the account was paid and I owe nothing, {$0.00}. 
I disputed the amount on my XXXX account so it would show I no longer owe {$8.00} but XXXX informed Equifax and XXXX that the account information they had was correct. It is not. 
I dont owe XXXX {$8.00}. It is paid in full.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXXXXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX, SC XXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by email, and identified the debt as XXXX, in the amount of {$600.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that LVNV Funding LLChas the right to collect this debt within the state of Washington, I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time. 

Sincerely, XXXX XXXX
Product: Prepaid card

I tried to use my prepaid card ( which I registered at XXXX ) and the card was locked, I called the company and they told me I need to fax them a photo of my card, along with my ID and SSN, which I refused to do, they do not need that info, I called the number on the back of the card ( XXXX ( XXXX ) XXXX )
Product: Credit card or prepaid card

This is in response to Chase Reference # XXXX. My appeal was denied for a refund of 2 erroneous fees that were due to fraudulent misuse of my account with the merchant. The merchant did not provide any written proof to show that the fraudulent food deliveries were in fact delivered to my primary address on file with both them and Chase : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX. Simply stating that I had a previous relationship with the vendor is not grounds for denying my claim. I require proof that these two charges correlated with a delivery at my physical address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I had a debt with XXXX XXXX XXXXXXXX  on an overdrawn account. I have been in communication with the credit union and agreed with them to pay my account in full {$910.00}. I paid the full balance to the credit union in cash. I have a copy of my receipt and a copy of my paid in full letter showing the debt has been taken care of in full. The Collection Bureau of America is trying to collect more money out of me even though the issue was resolved with my credit union in full. They are refusing to remove the account off of my credit report which is currently detrimental during this pandemic. I can not receive the SBA loan with this on my report, hence why I made the arrangement to pay. Please help remove this. It isn't a credit card, or a loan it was an overdrawn account. Thank you for your time. I have attached my paid in full letter and my receipt of payment.
Product: Debt collection

On XX/XX/XXXX I received a notice from Valley Empire Collections. They claim an original amount due of {$630.00}, {$640.00} in interest charges, and a total amount due of {$1200.00}. They offered to reduce the debt by 30 %, if I paid in full by XX/XX/XXXX. The case number listed, XXXX, was filed in XXXX XXXX XXXX in XX/XX/XXXX. 

I did not receive any notice that I could dispute the debt. Nor was I served notice of the case being heard in XXXX. I do not believe I owe this debt, and I believe it is illegal for Valley Empire Collection to attempt to collect said debt ( of which I have no knowledge of ) after 9.25 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account.
Product: Mortgage

Wells Fargo Home Mortgage Affidavit Of Mailing on all of there notices sent out on XX/XX/2016 which was 7 notices by wells fargo home mortgage was never mailed to me at the right address at the time of notice nor were any delivered at the said address that was mailed out by wells fargo home mortgage. As I have uploaded proof from the post office was delivered to XXXX XXXX CA XXXX I never lived or had an address in XXXX XXXX CA XXXX as to why wells fargo Home Mortgage would send all the US Reg m, ail to an address that's not on file or not mine. Wells Fargo Home Mortgage violated my rights to receiving notice by sending all the notices to an XXXX XXXX CA address in which they mailed out to no reason why it was delivered to an XXXX XXXX Ca XXXX address with bad intent on there part on a serious situation that was at hand. There seems to be a lot of issues legally with the loan past and after of there practices of there mortgage loans and legally giving me notice by law. With wells fargo home mortgage its never the truth it all ways putting some paper to try to justify there self as if there a reputable bank in which we no is not. Wells fargo stay in the news for fraud or consumer fraud by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from Equifax contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX