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

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, How did the credit agencies verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit agencies violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX. I was removed as an authorized user on the Best Buy credit card ( I confirmed with Best Buy over the phone ) under my ex husbands account ( XXXX XXXX ). It is showing on my credit report after numerous attempts to remove. 

XXXX XXXX XXXX  XXXX is reporting XXXX open credit cards on my credit report, I only have XXXX. Confirmed with XXXX in numerous occasions that I only have XXXX credit card ( ending in XXXX ). The one starting with XXXX is not mine or needs to be closed. It is showing on my credit report after numerous attempts to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX NA 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: Checking or savings account

PayPal is managing everything and not releasing information. XXXXXX/XX/XXXX is on the leash with PayPal. There is no separation between the two. No phone calls are returned to me. Everyone is reclining on information. The purchased of the bike is XXXX it is the wrong size, it is the wrong color. I'm XXXX ' XXXX '' .. I got a bike for a XXXX ' XXXX '' person and Im not going to make a mistake like that. By PayPal return policy it's an automatic refund. A return label ( PayPal ) was given by merchant an it was not recognized by XXXX what I called XXXX. I know PayPal has been the merchant all the way. PayPal did not issue me an ( knowingly ) order ID number either needed by XXXX. After 14 days PayPal comes with a settlement of {$30.00} to ship the package. That to me is " extortion. '' I've been battling 40 hours on this issue for 2 weeks. Consider someone's time please. Still the bank refuses to issue refund. Immediate firing of the bank personnel shall be imminent. XX/XX/XXXX so calls " general department '' the claim center. And no one can talk to a claim center representative. Also the removal of PayPal employees should be considered. No joke they have hired " grammar School employees '. I do not believe XX/XX/XXXX employees do not have a high school education. I would like an immediate refund. This has been a laughing matter. This is a humiliation at a bank level and at a federal level. I was a process server and retired. I had a money market from the XXXX XXXX XXXX. And yes I am a member of the family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX amount {$450.00}
Product: Money transfer, virtual currency, or money service

Express concerns on cfpb recent lawsuit regarding zelle.
Product: Mortgage

I purchased my home in XXXX with a toxic loan and soon my payment was too high to afford my home. I was about to lose my home and I was offered a modification in XXXX. This modification helped me avoid foreclosure, however the modification I was given is a 10 year interest only program and the rate has increased over time. My mortgage loan is scheduled to adjust again in XXXX and my payment will include Principle and interest and it will be increase to the point where I will not be able to afford my home. I have desperately tried to refinance my home but have been unable to due to to my credit score and income not being sufficient to qualify. I have sent my mortgage service company a request to modify loan and have been denied I have appealed to this decision and they have not taken the time to consider my appeal. I have paid a lot of money over the past 8 years in interest only payments and would not like to lose my home.
Product: Checking or savings account

Bank of America I had to move my money m XXXX XXXX XXXX  was cloned through XXXX XXXX and XXXX  dating They use my faceprint to log into my bank They are using XXXX XXXX  to make fraudulent transactions through XXXX XXXX  on my XXXX I think its a federal lawyer XXXX and XXXX and a federal lawyer XXXX XXXX XXXX XXXX I have no case no record and owe no money to tax or debt this is theft through ID fraud I already contacted XXXX and XXXX and BOA Basically I am hacked by fraudulentl payments via XXXX and also XXXX XXXX XXXX XXXX Its FBI making deductions for their own pocket or ID theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above are some of the names of women trying to use my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/2019, I was trying to look at a picture of a rental home when I was immediately contacted by some Rent-to-Own company. She eventually said I was going to have to fix my credit and they could help me. I was completely unaware when she suddenly contacted a Credit Repairing company called Lexington Law. She got me hook, line and sinker on board with hiring them to help me fix my-and then also my husband's-credit. We did not expect it to be a scam or anything until I read your info earlier about how to detect the fraudulent ones, but now I'm convinced. First things first before she did anything I was informed I was going to have to pay {$14.00} for each of us on that day, immediately after telling me about the monthly fee we would be charged but " don't worry, you don't have to pay anything today ''. So I paid for mine but then when I realized I would have to do the same for hubby I attempted to stop it. I told her I did not want her running my card again because I didn't have the funds. She proceeded to say " Well I'll just run the card today and if it didn't go through it wouldn't be taken for 11 days. Confused as I was I repeated " Ma'am, I don't want you to run it again right now, can we just hold off and I'll call you later to pay it when I have it? '' She just continued to ignore me and repeated the same thing she said before. Finally, I guess to knock me even lower, she tells me that {$140.00} ( or somewhere around that ) would be debited from my account 5 days later. So tonight, when I read your warnings about being federally prohibited from requesting money right off the bat, I began this complaint. Furthermore, when I tried to set up my account, I was completely dumbfounded to only see my husband 's credit report details. Mine is nowhere to be found, when I paid for mine first, before I even added him to the whole thing. In fact, mine is the only one I paid for because I gave her a different card with no money on it. It makes absolutely no sense, except I fully understand that I got screwed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which are found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7400.00} ; XXXX XXXX  Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$7400.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If you feel there area possibility these items belongs to me, I will require all documentation that bears my signature ( another research items I found that requires you to remove. If you do not provide any records & claim the items are removed please understand I will seek legal action. I donot take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of Today XXXX XXXX XXXX XXXX your company needs to delete these accounts below and if your company does not delete these accounts within 3 business days, I will seek legal action for up to {$3000.00}. Your company is committing aggravated identity theft, violating the metro 2 compliance and FCRA. 

Delete these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is too old to be on my credit report. It has been on my report for over XXXX  years
Product: Checking or savings account

Unable to add my KeyBank debit card to XXXX XXXX. Called Key on XX/XX/23 spoke to agent who advised me I need to contact XXXX and that is not the case this issue has to be fixed within the bank that issued the card witch is KeyBank. I then escalated to a supervisor XXXX who wanted to tell me the same thing. Ive been through this before with other financial institutions the ignorance, incompetence and lack of training to resolve this particular issue is above me. The error given even states CONTACT CARD ISSUER. Am I not getting it?
Product: Credit reporting or other personal consumer reports

I have disputed and contacted XXXX, XXXX, and Transunion numerous of times, they are ignoring my request. I know they have been under fire for false and misleading credit reporting and they are not protecting me as a consumer. 

I have requested to see verifiable proof ( an original consumer contract with my signature on it ) that they have on file for the accounts listed below. They have failed to provided these documents. I ask for a VALIDATION OF DEBT, otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify these accounts has hurt my ability to obtain credit and buy a house for my family. Under the FCRA, inaccurate, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX Thank you for your help in this matter.
Product: Money transfers

I was told by a person claiming to be XXXX XXXX XXXX who claimed to work for XXXX that I needed to purchase anti-hacking software from XXXX.I sent them {$250.00}, but never recieved the activation code for the software.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned the lease vehicle to the dealership on XX/XX/18 and received a vehicle return receipt ( attached ). XXXX XXXX did not properly input the return into their internal system resulting in an inaccurate reporting of delinquency on my credit report. I've contacted them numerous times and am being told the error is being corrected and delinquency remarks are being reversed. The company is taking an excess amount of time to correct my report ( more than 60 days ) resulting in penalties to my credit score and open trade lines both being reduced. I believe this is a violation of the FCRA and am at the point of taking legal actions.
Product: Credit reporting or other personal consumer reports

This morning, I discovered mistakes on my credit report, and Im utterly confused and desperate for answers. Ive always kept an eye on my report, and everything was fine until now. Suddenly, these inaccuracies appeared, and I dont know why. I even refreshed my browser, hoping it was a temporary issue, but the mistakes didnt go away. I feel powerless and need you to carefully examine the documents Ive provided. I just want to stop feeling so helpless about this situation.
Product: Checking or savings account

JPMorgan Chase closed my account down on XX/XX/2021 I had a remaining balance of XXXX XXXX stated date and is holding my money in a demand deposit account and will not send me the balance of my funds doesn't give me any reason why the funds can not get milled to my address on file and when I call to speak with them never get any answer and get placed on hold for up to two to three hours on hold and then just get hang up on because of this action that the bank is taking have my family homeless without money and without a place to stay and have to pay for motels hotels and now got us living in a homeless shelter all I want is my funds so I can pay off my mortgage and sell my house so me and my family can move on.
Product: Debt collection

In XXXX of 2020 I checked my credit report and found a handful of collection accounts that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to American Collections on behalf of XXXX XXXX XXXX that same day. To date I have not received a response from the company saying that an investigation was going to be done into the matter. I have never received any update or validation into this erroneous accounts. Instead, it remained on my credit reports and continues to lower my credit scores. I have sent a follow up validation bimonthly since XX/XX/2020 I sent a following up requests into this matter directly to American Collections. I let them know that it had been over 2 years since my initial request for validation and advised them that they had violated my consumer rights by not having these accounts removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. I have even sent account validations requests directly to the credit bureaus and they are advising me that American Collections has verified these accounts as legit. I am requesting for these accounts to be removed from all 3 of my credit profiles immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX )
Product: Credit card or prepaid card

XX/XX/20, Paid for XXXX XXXX to become one. The cost of {$750.00} was not itemized. I was informed of three different amounts. Was charged three times. Inquired more than twice about the charges. So XXXX XXXX stated she would refund my money because she did not have to take this. As to what she meant, I don't understand. On my behalf, I apologized profusely for the unwarranted calls which she claimed I made. However, I sent an email and text requesting a reply to the additional charges. Upon speaking to XXXX XXXX, she raised her voice and again I apologized. I did not receive an apology or any accountability for the error which caused me to overdraft three times a total of {$120.00} instead, I was unmoved by her actions to refund my monies from at this point seems to be {$2200.00} ( XXXX ) I am looking to work remotely in the interim while my VA commission process. Although, I expressed that Here I am not working but paid for training to become XXXX. Needless to say, {$750.00} is a lot to not know what you are not getting. I was willing to be commission for CA until I get to VA. But I feel like I am being scammed because all I received is a PPT presentation and that is done. I was communicating with XXXX  XXXX XXXX Services but my card ran XXXX XXXX. If I was not going to be working in the interim then, there is no need to pay now. 

My money back period. 

Since, the calls I make which I do not received a return are unwanted and seems to be annoying to XXXX XXXX. After I repetitiously apologized for the multiple requests to receive the ITEMIZED list of purchase. I wish XXXX XXXX the best in whatever business she does under whatever name Be if it is XXXX or XXXX XXXX XXXX   Services. I am choosing to not do business with this company based on the fact of public trust which is what XXXX XXXX should have. I do not trust the way XXXX XXXX is handling this transaction and therefore, I do not want to do business with her ever again once I receive my refund.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The vehicle itself has been paid off for about 4 years and was totaled on XX/XX/year>. Afterwards I went to the local XXXX to ask for the title to give to the insurance company at which point I was told the state of Tennessee does not have a copy. So I called the loan company Santander to try and figure out where they sent it because they never sent me a physical copy. Found out the last state I lived in South Carolina didn't have it either so I called the Ohio XXXX where I purchased the car. They told me they have it and can mail it to me but that they were never informed the car was paid off. So I called Santander on XX/XX/year> and asked them to tell Ohio the car is paid off, I was told it would take XXXX business hours and as of today ( XX/XX/year> ) at XXXX XXXX EST Ohio still does not have proof it was paid off. I do want to mention I asked Santander twice if they could send me a copy of my title through all of this and they claim they don't have anything they can send me. I also ask for a release of XXXX XXXX to be mailed and in an Email that I got from them was told the name on the loan did not match, at which point I called them again and was told that yes it does but they can't send me that physically because Ohio won't take a physical copy of it.
Product: Checking or savings account

I cant enroll in online banking, I submitted a claim with CFPB under the claim XXXX XXXX and case id from Wells Fargo XXXX XXXX That claim wasnt solved and I was requested to call online banking, I called today and they said that my phone can not be verified and I need to submit a claim to have that fixed first so then they can enroll me. That process takes more than XXXX XXXX so I need to have this fixed NOW. more than XXXX XXXX  without access to my account My mobile phone is working and is the same as you have in Wells Fargo system, XXXX XXXX XXXX