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

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXXXXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

This matter pertains to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal is holding donations. They will not disperse to us or return to donor. Can not speak with anyone who understands XXXX XXXX or what the matter is as they ignore or give false information that goes nowhere. On XX/XX/XXXX XXXX XXXX sent a donation of {$1.00}. Transaction ID XXXX. When we attempt to transfer available {$.00} a message always appears ' " Sorry, something's not right. Please try again. When we cal we get a run around that they need more information. We have had this account for years. Also a fundraiser taken by XXXX XXXX on her XXXX page shows {$42.00} raised on XX/XX/XXXX. This organization doesn't know who these donors are and we can not reach the money as it's not seen in our account. Obviously PayPal is holding it in limbo and won't give us a straight answer by phone of electronically. We feel PayPay is corrupt and want to close our account so that they don't deceive any of our donors.
Product: Credit reporting or other personal consumer reports

On the evening of XX/XX/XXXX, at approximately XXXXXXXX XXXX EST, I undertook the responsible practice of reviewing my credit report. This routine check aimed to ensure the accuracy and completeness of my financial history. To my deep concern and dismay, I uncovered several unauthorized and fraudulent accounts that I did not authorize nor have any knowledge of their creation. These accounts have cast a shadow of doubt and confusion upon my credit history. 

The following unauthorized accounts were discovered : XXXX. XXXX XXXX XXXX a. Date Opened : XX/XX/XXXX b. Amount : {$19000.00} c. Account Number : XXXX XXXX. Genesis Credit Management a. Date Opened : XX/XX/XXXX b. Amount : {$19000.00} c. Account Number : XXXX XXXX. XXXX XXXX XXXX a. Date Opened : XX/XX/XXXX b. Amount : {$3000.00} c. Account Number : XXXX XXXX. XXXX XXXX a. Date Opened : XX/XX/XXXX b. Amount : {$25000.00} c. Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX a. Date Opened : XX/XX/XXXX b. Amount : {$24000.00} c. Account Number : XXXX Additionally, I noted an unauthorized inquiry on my credit report, conducted by " XXXX XXXX '' on XX/XX/XXXX. This inquiry further deepened my concerns about potential identity theft. 

I wish to emphasize that I have no knowledge of the individuals or entities responsible for opening these fraudulent accounts, and I strongly believe that my personal information has been misused and compromised. This discovery has left me perplexed and worried about the potential consequences on my financial well-being and creditworthiness. 

In response to this unsettling situation, I have taken immediate action to protect my financial interests. I have filed a police report, which has been approved, and I have also submitted an identity theft affidavit, as required by law. Enclosed within my dispute letters to the respective credit reporting agencies, I have provided copies of these documents as evidence of my efforts to rectify this matter. 

To further safeguard my financial standing, I have also requested the inclusion of specific comments on my credit profile. These comments, as detailed in my dispute letters, serve to alert potential creditors to the fraudulent nature of these accounts and my willingness to address this matter. 

I urge the credit reporting agencies and institutions associated with these fraudulent accounts to conduct thorough investigations, remove these unauthorized entries from my credit report, and assist me in resolving this case of identity theft promptly. 

I emphasize that I am a victim in this situation, and I remain committed to ensuring that my credit history accurately reflects my financial responsibility and integrity. The unauthorized accounts and inquiries not only jeopardize my financial future but also erode my trust in the credit reporting system. 

I trust that the credit reporting agencies and the relevant institutions will take swift action to rectify this matter and provide me with the necessary support and assistance to restore the integrity of my credit profile.
Product: Checking or savings account

I was trying to open account online i was unable so I was instructed to call or come in a branch well I dont currently live near a branch. So upon calling I had an old account back in 2016 I didnt have any activity as I was transitioning from XXXXXXXX XXXX  service .Everytime I call Im just told minimal information and not being full help I didnt have any negative activity I deserve to know why and how to correct this issue.
Product: Debt collection

I received a letter from a company called Jefferson Capital Systems , LLC that I believe to be fraudulent. The letter claims to collect a debt in the amount of {$1700.00} for a XXXX XXXX XXXX Account. It offers to let me save money by paying three equal payments of {$110.00}, and they will absorb the rest of the debt. 

I did have a Home Mortgage through XXXX XXXX that ended in XXXX ; I checked my account and there is no balance or debt. 

Suspect issues on this letter ( including the option to make three equal payment that do no equal the debt ) include 3 different addresses listed on the letter. Jefferson Capital Systems , LLC is listed at XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ). On the payment stub, a " return '' address is listed as XXXX XXXX XXXX, XXXX, NC XXXX with a mailing address ( " to '' ) as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Their website offers no additional information : http : //www.jeffersoncapitalsystemsllc.com
Product: Checking or savings account

Capital One is not depositing my direct deposit. XX/XX/year> I need access to my money since this is my main account
Product: Mortgage

I want to complain about some irregular and disorienting service I received from Freedom Mortgage. 

I had a home mortgage, serviced by XXXX XXXX XXXX XXXX. In XXXX, I received a letter from XXXX, dated XX/XX/XXXX, informing me that my mortgage was being transferred to Freedom Mortgage Corporation. My first payment due to them would be due XX/XX/XXXX. 

I assumed I would hear from XXXX shortly. Not so. My first contact from them, surprisingly, was not until XX/XX/XXXX, and it was by telephone! The woman was very polite, and asked if I wanted to pay my now overdue bill by phone -- but I told her that I would not pay a bill until I got one, or at least some sort of written correspondence from XXXX. 

I finally received a latter from XXXX on XX/XX/XXXX, dated XX/XX/XXXX. Here, finally, was the formal letter I was looking for -- confirming that I was now their customer, giving payment instructions, etc. It reads : " We will start accepting payments from you on XX/XX/XXXX ''. As a matter of English grammar, the word " will '' indicates something that will happen in the future. Overall this company strikes me as disorganized and I have insufficient confidence they will handle my mortgage correctly. 

I then got another letter from XXXX the very next day, on XX/XX/XXXX, dated XX/XX/XXXX, chiding me for my late payment. " Consequently, late charges in the amount of {$.00} will be assessed ... '' -- do humans read these things? 

I paid my bill this morning, XX/XX/XXXX, and I will set up autopay once that goes through. I guess everything will be alright? I hope so? Wish I felt more confident. 

Please note that one exception to my complaint is the person I talked to on the telephone, on XX/XX/XXXX. She was unfailingly polite and friendly, even though I was rather angry at the time.
Product: Credit reporting or other personal consumer reports

Account Name : AFFIRM INC - XXXX I have concerns regarding the inclusion of these late payments on my credit report, and I believe there are discrepancies in the reporting process that warrant further examination.

Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purpose of the consumer report, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer credit report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. '' I emphasize that I have not provided written instructions to include this account on my credit report. Did I give you written instructions to furnish this on my credit report? It raises questions regarding the legality of its inclusion. 

Furthermore, I draw your attention to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( i ), Exclusions from a from a consumer credit report CLEARLY STATES ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term Consumer Report does not include ( a ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, This agency in clear violation 15 U.S. Code 1681 and 15 U.S. Code 6802 These laws state that its illegal to report transaction history without my consent, with I did not give to XXXX or AFFRIM.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

USAA Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX Acct No. : XXXX XXXX XXXX XXXX XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.
Product: Debt collection

Received multiple calls asking for a person that I do not know. I have told the company to stop calling me and leaving me messages but they continue to do so.
Product: Credit reporting or other personal consumer reports

The following accounts and inquiries are a direct result of my information being compromised and used without my authorization. These accounts Im listing are fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts are hindering me from accessing any credit of my own and unable to buy things such as a car and house. I was hoping you could help and look more into the matter because its fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX  So Cr Rec Opened XX/XX/XXXX {$190.00} Original creditor : XXXX XXXX XXXX So Cr Rec Opened XX/XX/XXXX {$120.00} Original creditor : XXXX  XXXX  XXXX  XXXX  XXXX  Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX Cred Mgmt Opened XX/XX/XXXX {$160.00} Original creditor : XXXX XXXX XXXX  XXXX Cred Mgmt Opened XX/XX/XXXX {$550.00} Original creditor : XXXX XXXX XXXX  XXXX Cred Mgmt Opened XX/XX/XXXX {$490.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$26.00} Original creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  A Opened XX/XX/XXXX {$430.00} Original creditor : XXXX  XXXX  I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationEquifax. Please delete the following accounts. XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$200.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$870.00}, XXXX XXXX XXXX  Balance {$35000.00}, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I write Equifax a letter with my disputes in XXXX. It has been 60 days and they have not responded to me.
Product: Mortgage

I had a fire at a home I had a mortgage with at NewRez, Shellpoint mortgage on XX/XX/XXXX. In XXXX my insurance company issued a check which paid off the balance of my loan. The loan was paid off XX/XX/XXXX. I waited till XX/XX/XXXX to call to find out where the proceeds were from my insurance company so I could begin the repair process. I was told at that time the check was mailed and I should receive it in the next few days. I still didn't receive the check and called again XX/XX/XXXX. At that time I set up with them to transfer the funds to my bank account through ACH transfer. I gave the representative the information and which point she stated I would have the funds available in the next 24-72 hours. On Friday XX/XX/XXXX the funds were not in my account. I called and spoke with 5 different representatives. I was told that a new paper check was requested to be sent on XX/XX/XXXX - I explained how that didn't happen. I was told when I called XX/XX/XXXX ( which I didn't call XX/XX/XXXX ) that I requested a new check and cancelled the ACH transfer. I was supposed to receive a call back from the supervisor Friday it's now Thursday XX/XX/XXXX and still no call back. I spoke with 5 different representatives Friday. I was then told the transfer would go through XX/XX/XXXX which was a Sunday followed by a bank holiday Monday. The money still wasn't there on Tuesday XX/XX/XXXX so I called again. Spent another two hours on the phone with 7 different representatives. Told the money would be available again today. The money is still not there. I called again this morning XX/XX/XXXX and was told the request would be put in. I am being given the runaround for the money I need to fix my home. I have no idea what to do or how to proceed with getting results here.
Product: Checking or savings account

I am trying to link my XXXX investment account to my PNC banking accounts to make transfers for investments. PNC is refusing to allow this.
Product: Debt collection

I discovered a new derogatory mark made on the XXXX of XX/XX/2020 on my credit report from some I do not recognize. 
it says opened XX/XX/2020, today XX/XX/2020 I disputed it with the company, the debt is for {$2200.00} the creditor says XXXX XXXX  01 Synchrony Bank Home Design XXXX. 
the account status, on the XXXX XXXX site, has changed since I disputed it.
Product: Money transfer, virtual currency, or money service

DATES- XX/XX/XXXX {$350.00} So basically what happened my friend sent XXXX dollars to me through his cash app and i received XXXX, i bought stocks worth of XXXX dollars and XXXX dollars got vanished from cash app and i have evidence in form of XXXX file and transaction history too.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 things reported in my credit report to Equifax that are fraudulent claims. I have provided proof many times over the last year, most recently again in XX/XX/XXXX, yet Equifax takes only days to " investigate '' and never gets verification of any such debts reported from the companies or otherwise. When I spoke to them I was told " we just call the credit company and ask if its valid '' then they verified " we do not get or have documentation of the debt ''. Examples are 2 XXXX XXXX policies that I personally closed myself and nothing was owed as I switched companies. Equifax has not been able to provide any proof or from XXXX of the report to my credit as any valid debt and I know is fraud. Additionally, there are 3 claims from the XXXX XXXX XXXX but I was only there on one day XXXX, XXXX and have provided proof to Equifax that my insurance and XXXX paid in full that one bill. There were not three seperate dates or charges there. Even with proof, Equifax did not take it off nor verify with the collection agency or institute. Equifax refuses to obtain any proof of claimed debt and does not accept the paperwork directly from my insurance company and the XXXX payment verification from XXXX too. This verifies my debt paid! Equifax does not validate or correct any of the information and simply keeps it on my report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$59000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.

INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 
By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.
Product: Bank account or service

Eight years ago, Wells Fargo tricked us into an account which charged us {$30.00} a month. I spent over 7 years trying to get Wells Fargo to switch the account. They refused. Finally, when the President of Wells Fargo was called before Congress, I tried again. They were suddenly willing to change it. A month later, I went on line to see something in my statements. I was not able to access my statements. I called to find out what was going on. I spoke to people in the executive office. At that time, Wells Fargo stated they had removed my access to my statements because I had changed my account. I pointed out that they are supposed to provide my statements, but they were not interested. Since they had taken this action, I pointed out they had forced me to stay in that account against my wishes and asked that they return the money ( {$30.00} a month for 8 years ). This was obviously a mistake. It started a vendetta against me. Immediately afterward, I was blocked from getting copies of cancelled checks. Then they cancelled one of our debit cards. I wrote a letter to the new President of Wells Fargo hoping to get some help with these hostile actions. I received a letter saying it had been received, but I never got another response. However, in response to the letter, the people in the executive office blocked me from transferring money between our accounts. Began charging fees on other accounts without reason, and then cancelled our other debit card. Each time they did one of these actions, I would call them to ask what they were doing. Each time I called, they responded with open hostility. They just sent me a letter saying they were going to close my kids ' college accounts. These people in the executive office are completely out of control.
Product: Credit card or prepaid card

I was approved for the credit card on XX/XX/XXXX for {$2000.00}. To day is XX/XX/XXXX. I went in to the bank to see what was taking so long to get my card. I was told it 's because of my credit score. my credit score is at XXXX. To qualify for a bank credit card your credit must be at XXXX. I FEEL LIKE I BEEN LIED TO '' AND DISCRIMINATED AGAINST AS A XXXX MAN ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TransUnion Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX {$4700.00} XXXX XXXXXXXX XXXX XXXX {$6000.00} Date Opened : XX/XX/2016 XXXX XXXX XXXX XXXX {$9600.00} Date Opened : XX/XX/2016 Collection XXXX XXXX XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX XXXX {$5900.00} XXXX XXXX {$260.00} XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$0.00}