23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a Wells Fargo bank account on XX/XX/XXXX, had my XXXX XXXX  transfer on mobile apps, XXXX dollars. The same day I canceled that transaction. Through XXXX XXXX. On XX/XX/XXXX, XXXX Bank didnt stop the transfer and got the XXXX dollars from my account. On XXXX Called Wells Fargo, was told the money would be returned in 2-3 days.on XXXX spoke to a man called XXXX and he gave me a claim number, as I found out that claim never existedXXXX a new claim filed. I have a claims rep, who said my money was missing, it was layed up somewhere I forgot. As of today numouse phones calls looking for my money, told many different things. Wells Fargo gave me a ACH tracking number, she asked me to XXXX  XXXX  to see if they could track the number. As of today Calling XXXX  they can not find any tracking number of the sort. And again since this started was told no refund coming into XXXX XXXX. I have called and called XXXX at Wells Fargo all I get is the back office sent it to XXXX XXXX. On XX/XX/XXXX Wells Fargo had put in XXXX, into my Wells Fargo Account. If you can believe this, 2 hours later it was gone out of my Wells Fargo Account. To this day Wells Fargo has given me a hard time, Ive pleaded with XXXX cried in years looking for my money to be returned. Theyve taken my money 3 times away from me. 1 from XXXX XXXX, 3 from the Wells Fargo bank account. I have no money, at all at this point. This XXXX XXXX From Wells Fargo, and the bank manager spoke today, verifying no money came in from Wells Fargo. I feel this is theft at this point. Im ready to file a police report. On Wells Fargo Bank. I feel this point they should be giving me my original money, extra for the hardship its causing me. They provide me with XXXX for all this. At this point they should be paying me more. I need XXXX  XXXX, had to get to that done, my cars broken have no money to get it fixed. Theres no food nothing in my home. Nothing. I told XXXX XXXX at XXXX Bank that they have me broken physically and emotionally. I suffer with XXXX XXXX since XXXX. This is making me needing to go to XXXX XXXX  To get help I am in crisis, and Wells Fargo just dont care. I need money. Please help me. I have spent days and hours with the bank manager  at XXXX XXXX  helping me since XX/XX/XXXX, we have spent hours dealing with Well Fargo bank. As of today XXXX XXXX  told me they dont know what kind of game they are playing, but this matter is cut and dry. They told me it looks like Im taking a loss of XXXX dollars. 
Thank you XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

About a week ago, I contacted Paypal about my paypal account being closed with a remaining balance to the credit card I have with them. The only way I am able to make payments towards the account, is to be able to login to that account. They closed my account and locked me out because I opened that specific account with them when I was  XXXX . I am now  XXXX  years old, and I opened a credit card with them about 2 years ago. I was over the age of 18 when I applied for the credit card with them. They recently locked my account so I can not log in to make my payments. Why are they just noticing now that I opened the paypal account when I was  XXXX ? I have about {$500.00} balance to pay off with them and now I cant log in to make the payments.. I called and spoke to a manager and said I can make payments over the phone. Well, trying to make payments over the phone is very difficult as when I call, I have to be on a waiting list to talk to someone instead of simply logging in to make a payment. The manager said that my account is locked and that I cant regain access because when I opened the account, I was under 18. He said another option is to make a new paypal account and transfer that balance by applying for another credit card but that it may affect my credit score. This is very unprofessional that they would lock me out from my account when I have to make monthly payments!! If I cant make these payments, I will hurt my credit score and get charged interest when this is not my fault.. I do n't care if they close my current account but I want to pay off my credit card balance first.. I cant keep calling to wait 35-50minutes over the phone to make a payment. It 's inconvenient for me when it takes 1 minute to just log into my paypal account and make a payment. When I go online to the paypal help center to see how to make a payment over the phone, they ask me to log into my account to get a code to make an easy payment. Well, I cant even log into my account to get that code to pay.. So how am I supposed to make a payment?! This company is going to turn my   XXXX   credit score into crap. I am a dependable borrower but Paypal is going to hurt that status. I need them to give me access to my account until I pay off the balance..
Product: Debt collection

Charge was through recurring ACH charge for phone bill. I called and terminated the service over the phone. Company continued to charge, I called repeatedly to terminate the charge, charge was finally terminate 3 months after the original call but I am being charged for 3 months after I originally terminated the service.
Product: Debt collection

XX/XX/2021 I received a charge I did not recognize on my account. I reported it to Barclays fraud department for my uber  credit card, and they took the charges off. Then, at some point in XXXX, they posted the charge back onto my account without informing me whatsoever. In XXXX I received an email that I had outstanding balances on my account, as well as late fees for overdue payment. I then received a letter in the mail in XXXX that Uber was investigating the case. 

I should not be responsible for fraudulent charges, nor should I be responsible for late fees on balance I never knew I had
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$1500.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$11000.00}.
Product: Mortgage

Waiting on loan modification ( Lost medigation ) the mortgage company PNC told us to disregard letter from lawyer with a sale date of XXXX/XXXX/XXXX to wait until all paper work as been done. As of XXXX/XXXX/XXXX our home was put on auction for sale with us knowing nothing about the sale. Just stumbling across it on the internet. We called them that evening and the person we spoke with told us to talking with the lawyer handling it. Has we called on XXXX/XXXX/XXXX we were told they knew nothing about the sale of the home and to contact PNC again. We did just that and we are still getting the run around. We were never told of the sale nor was the sale of our home posted in the local paper. We are being told there is nothing we can do to save our home. But it looks like to us the XXXX different people we have talked give us different stories of what is going on. We sent all paper work as instructed to do. And where waiting on them for answer which we never received.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent XXXX XXXX XXXX Account Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX that is inaccurately listed on my 3 bureau, ( Experian, XXXX, and XXXX ) credit report. I want to make it unequivocally clear that this account does not belong to me, and I request its immediate and permanent deletion from my credit file. 

As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, XXXX is obligated to investigate disputed items and ensure that all information reported is accurate, complete, and verifiable. 

Any additional documentation that substantiates my identity and confirms that this account is fraudulent. 

This account was established without my knowledge, authorization, or consent, and its presence on my credit report is both harmful and inaccurate. I demand the following actions : Immediate investigation of this dispute as required under the FCRA. 
Permanent deletion of the XXXX XXXX XXXX account from my credit report if the account can not be verified as legitimate. 

Written confirmation that this fraudulent account has been removed and that the dispute process has been resolved. 

Failure to properly investigate or remove this fraudulent account will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies for FCRA violations. 

Please address this matter promptly and respond to my dispute in writing within the legally required 30-day timeframe. I appreciate your immediate attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute against Equifax regarding inaccurate and outdated information present on my credit report. As a federally protected consumer under the Fair Credit Reporting Act, I have the right to fair, accurate, and up-to-date reporting. However, my credit file currently contains incorrect personal details, including my employer, which I did not provide and do not recognize, or outdated. My current employer is XXXX XXXX XXXX. I am unaware of the source of the incorrect information reflected in my report, but this false data has caused significant damage to my credit score and overall financial standing. The presence of inaccurate information raises serious concerns regarding the integrity of my credit file, and I will not tolerate continued negligence in maintaining accurate consumer records. Under the FCRA, Equifax is legally required to ensure that consumer reports are accurate and free of unauthorized, outdated, or incorrect information. Therefore, I demand the immediate removal of all erroneous details from my credit report. Failure to uphold these legal obligations violates my consumer rights, and I expect immediate compliance with my request.
Product: Credit reporting or other personal consumer reports

To whom it may concern : 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. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, ACCOUNT NAME : XXXX XXXX XXXX XXXX
Product: Debt collection

I recently review a copy of my credit report and I realize that as a consumer Paramount Recovery is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me.
Product: Debt collection

I keep getting calls and these people keep contacting my family releatives stating they are trying to get a hold of me for a pay day loan I do not owe, I have record of all my loans and these people are scammers. They are very threatening and say they will show up to my home and place of employment and threaten to sue if I do not pay over {$1000.00}. The company name they reference is United Recovery Service, the phone number they keep calling me and my relatives from is XXXX, then they reference a case number. These calls are becoming more and more threatening and they will not let up, tey are harrasing me and my relatives.
Product: Debt collection

On XX/XX/ I became aware of a company called Collection Management Company ( CMC ), DBA Credit Management Company, trying to collect a claim based on a nullified contract. This debt was never my debt and I made CMC aware of this on multiple occasions, in writing and verbally. 

On XX/XX/ I decided to pay the amount to avoid the threatened harm on my credit score. I maintain that this was never my debt and only agreed to pay the claim to avoid the threats to my credit score from XXXX by employee XXXX XXXX. 

I believe that this violates the FCRA guidelines around credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance.

The account in question is XXXX XXXX Account # XXXX ... Amount {$1400.00} for an authorized/unknown utility.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX  XXXX : {$11000.00}
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX Balance Owed : {$110.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not reporting accurately. I am showing 30 days late on the account. This company has never notified me that I was about to be late nor notified me that I am late. I was never notified and 15 U.S. Code 1666b - Timing of payments I have a right to be notified. I am requesting that this late payment be removed and updated and this account status be updated to paid as agreed and NOT from no more than 2 payments past due because this is inaccurate.The lack of notification by email or mail has caused a great deal of stress and is detrimental to my credit health. The consumer reporting agencies and furnishers have a legal duty to follow consumer laws. This situation was not handled within the legal realm of this code. I was not notified. Thank you for your prompt understanding and prompt action. 

I have reached out to this company in XXXX and have been told a manger would call me back but this company has totally ignored the damage that they have caused to mycredit for not following the law. i have also advised them that I have been greatly affected by XXXX XXXX and this has caused me not to obtain relief and resources.
Product: Mortgage

I received a phone call and it said on my phone it was from a chemical company? i answered and they said what is your name. Never identified themselves. I said who is this they said Chase Bank. I said why does it say chemical company? She said what is your date of birth? then ss last XXXX digits. I said you called me? you dont know my name? i said what is this regarding? They said your sobordination. Yes they must be chase then. I said i am telling a chemical company that didnt know my name nothing. I have already filed with you a complaint about this bank. They charged me in the past for a sobordination and dragged feet so long i lost my money i paid for it. interest rates went up so high i cancelled it they owe me that money for this XXXX. I have already filed that complaint. they said they were calling because of that complaint. Should that not be in writing? I am again saying that they are wrong and filing again. no response to my complaint in writing. response on phone from a chemical company? Professional? what are they hiding?
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern. I XXXX XXXX am a victim of id theft. i have obtained a police report, id theft report and much more. here are the fraud accounts that i need removed from my report asap. 

XXXX XXXX XXXX XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX {$1300.00} XXXX XXXX   XXXX/XXXX {$36000.00} XXXX XXXX  XXXX/XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX XXXX XXXX {$2800.00} CAXXXXITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, with original XXXX XXXX  for XXXX is still showing on my credit report, when I have consistently reported information incorrect, and due to possible fraud. It needs to be removed immediately, otherwise I will take legal action. 

The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According t

o 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information. According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.
According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681s-2 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. 
( B ) Reporting information after confirmation of errors. 
A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.
Product: Credit reporting or other personal consumer reports

I looked at my privacy notice on my bank account, and it stated that they do not disclose my non-public personal information to non affiliate 3rd parties. So I called early warning services to opt out of them reporting my information to non affiliate 3rd parties as per my consumer rights. they instructed me that I had no such rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$370.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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

According to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), a consumer report is considered a medium of communication and is thus subject to cease and desist requirements. There is a standing cease and desist order with XXXX XXXX, and no updated information should be reported on this closed, charged-off account. It is to be deleted from my report. 15 USC 1681b permissible purpose. No written instructions have been provided by consumer. Per 18 USC 1028A, Transunion, XXXX and XXXX XXXX are committing Aggravated Identity Theft against consumer. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. XXXX has 15 days to investigate and remove this account. Please be advised that if you send me a computer generated letter, stating that you have ceased investigation of my credit reports because in your opinion, you believe I have used a third-party credit repair agency, you will be in blatant violation of the FCRA. This stall tactic on your part to grant you an additional 30 days to comply with my original request, will result in a lawsuit with your company. This is your only warning. ''