23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX
Product: Debt collection

I owed a credit card debt with XXXX XXXX which was charged off and placed on my credit reports as a bad debt. The owner of the Debt is now Orion Portfolio services LLC in Georgia. Orion works with a third party collection agency XXXX. I sent a letter via email to XXXX to Mr. XXXX XXXX, a supervisor, on what I was requesting to settle the debt. I requested all information associated with this debt to be removed 10 calendar days after my payment and if they accepted these terms to send a letter on their letter head. I received a email back indicating Orion agreed to my terms accept sending the letter on their letter head. On XX/XX/XXXX I made the payment with a Mr XXXX who indicating he would be sending the information to Orion as a one off to get this removed from my credit report. On XXXX XXXX, XXXX XXXX XXXX placed a bad debt on all my credit reports for the same company ( XXXX XXXX  ). Not being aware of XXXX I reported them as Fraud. I have since found out they work for Orion. I have made repeated calls to Orion, they refuse to let me speak with a supervisor or a manager. I have spoken to XXXX who indicated they sent the information to Orion on XX/XX/12. I spoke to XXXX who indicated they have not received payment. The 10 calendar days have expired and the original charge off is still on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 16815-2 ( 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, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccurate and unverified information on my credit report, which has been reported by your agency. Specifically, I have been informed that my address has been reported inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX despite my current address being XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 

As a consumer, I have the right to accurate and complete information on my credit report. The inaccurate reporting of my address is a violation of Section 607 of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report only accurate information. Your agency has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning me, violating this section of the law. 

Furthermore, Section 609 of the FCRA requires that consumer reporting agencies maintain strict procedures to ensure that only authorized parties can access my credit report. Your agency may have violated this section by disclosing my credit report to unauthorized parties, as I have never authorized any access to my credit report for any reason. 

In addition, Section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ) requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that your agency has reported my address information inaccurately may be a violation of this section as well. 

Finally, Section 216 of FACTA requires creditors and debt collectors to properly dispose of sensitive consumer information. If the creditors who provided your agency with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section. 

This inaccurate and unverified information on my credit report has had a significant negative impact on my life. It has caused me to be denied credit, which has prevented me from purchasing a home, a car, and other necessary items. It has also resulted in me paying higher interest rates on loans and credit cards. 

Therefore, I am requesting that your agency investigate the inaccurate and unverified information on my credit report and take the necessary steps to remove it immediately. I also request that you take steps to prevent this from happening in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was discriminated, racial profiling and not allowing access to my banking account at Wells Fargo three times. I am a XXXX-year-old XXXX XXXX, XXXX, XXXX citizen who has been banking with the same account for 31 years. 
I have no negative marks on my account such as overdraft and I have never in 31 years deposited a bad check into my account. 
On XX/XX/XXXX at approximately XXXX at the Wells Fargo Bank . I was discriminated against and racial profiled for the third time. I tried to do a simple deposit into my account and was denied access to do the deposit. I was told by the teller she would not do it because she did not feel comfortable with me depositing the check into my account! I then ask for her supervisor and she refused to do the deposit also. I had proper federal and state id and my bank card, but because of the color of my skin I was told three time they would not do the deposit. So, I took my deposit check and put it into the ATM and made the deposit. The ATM machine did not care what color my skin was it just needed my bank card and pin number. I filed a complaint with Wells Fargo customer complaint department a complaint for discriminating against me, racial profiling and not allowing a customer to do banking or have access to my account! 
I received a complaint number from there customer complaint department and was told they would investigate my complaint but they did noting. 
Finally. This is XXXX and as a XXXX man in XXXX I sill don't have the right to go into my bank and do business! My account is in good standing and on Monday XX/XX/XXXX a Wells Fargo bank rep. told me the policy for deposits are simple : State or Federal ID and account number and If they can not verify a check, they will still deposit it and just place a hold on it. I was denied my right to deposit my check into my account based on the color of my skin not because I did something wrong.
Product: Checking or savings account

Over year ago having PayPal account I noticed I could make donation campaign offered by PayPal and do I did. Some people donated. 
Later on a donation or donations were pulled back using PayPal system by donors. This were XXXX dollar donations. 
PayPal is the owner of site and it's security. After sometime PayPal suspended my account for unknown ( never explained in writing ) reason. PayPal requested full set of verification and I obliged providing Sale personal information. 
Today I noticed, my account is blocked. I have around XXXX dollars that PayPal is refusing to send to me or use it. This is now over a year. I used PayPal in the past and it was horrific experience. I used it again and met the same fraudulent behavior as before. This is malicious intent company and I'm asking you for help. 
Since there is NO communication from PayPal and they STOLE my funds I'm asking for criminal investigation. 
At one point PayPal accused me of fraud. Meanwhile it is PayPal who is responsible for processing donations for my paralyzed family member. I'm appalled that US government is allowing this company to do business on American soil. 
I'm XXXX old XXXX who used PayPal site to run campaign provided and maintained by PayPal to be only treated this way. 
As i mentioned, my experience with PayPal is just mental oppression. 
Cc : DOJ
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

A man came up to me practically begging for help and asked me to deposit a money order for him and in turn take out the amount in cash on XX/XX/year>. Later on I receive a notification from my bank that the money order bounced on XX/XX/year> which led to me calling chase bank and they said they couldnt do anything. This is still fraud and Ive been tricked of my money. I then call the company of the money order which is XXXX XXXX and try to resolve this. I filed a search request with XXXX XXXX in hopes to refund the amount I lost on behalf of the company but its not guaranteed I can get it back. This search request also takes 6-8 weeks which is very long and I need that money back. The money order that bounced didnt belong to the man that committed fraud hence the bounce. The money that was taken out is still missing on top of the money order bouncing resulting in a negative in my bank account. I did the math and the amount missing is {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

unrecognized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Type of Business Credit Bureau Inquiries Auto Dealers , New Auto Dealers , New Auto Financing Auto Loans Auto Financing All Banks Bank Credit Cards All Banks Bank Credit Cards Commercial Banks
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  boat on XX/XX/XXXX. At the time of purchase, Yamaha offered a finance option which put all payments in excess of the required monthly amount directly towards the principle. This was the option chosen ( section 7, paragraph 2 of the loan agreement ). 

The payments began in XXXX of XXXX. At this time XXXX XXXX  was managing Yamahas loan program. My payments were in excess of the required amount, and in XX/XX/XXXX I began doubling the required payment. The amount above the required payment was always properly placed against the principle ( as annotated on each monthly statement ). 

In XXXX of XXXX Yamaha Financial Services began management of my loan. At this time my payments stopped being applied according to the loan agreement. On XX/XX/XXXX I spoke with customer service ( XXXX XXXX. XXXX ) and was ensured that the amount over the required payment would be put against the principle. It was not. 

In XX/XX/XXXX I received a statement that showed my required payment as {$760.00} ( double the required amount ). I again called Yamaha and made the following memo for record : Spoke with XXXX @ XXXX from XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX. I voiced my concerns that the required monthly payment that they had, appeared to be incorrect, and that I believed that the application of the additional payment was not going directly to the principle as described in my loan agreement. 

She stated that the monthly payment had been corrected to {$380.00} but the additional payment had been put against the next months payment, rather than the principle as per the loan agreement. I explained that I had already sent a query to XXXX. She also submitted a request for review, and I requested an email response from that review. 

I have never received an e-mail response from that review. 

I have stated on my payments that all amounts in excess of the required payment, be put against the principle as per the loan agreement. In conversation ; once again with Yamaha Financial Services, I was told that I could not put that on my mailed payment, and that I needed to call every month if I wanted it changed. I made one attempt and was told that they couldnt change it unless I made the payment over the phone. 

I have sent approximately 10 12 e-mails to Yamaha on this subject. I have had 1 response, and they just again quoted according to the waterfall I received a call from account admin on Saturday XX/XX/XXXX. We discussed the problem with the application of the excess payments. I had previously emailed a copy of the loan agreement an we reviewed it together. The agent attached the file and forwarded it for further review. 

I received an email on the evening of XX/XX/XXXX stating that would need to call every time that I wanted the excess to be applied in this manner.
Product: Credit reporting or other personal consumer reports

I have been asking this company for several years to confirm that this credit card belongs to me, which they have not done. I do not recognize this account and never opened it. I noticed this account on my credit report in XXXX  and reported it to total visa. I am a victim of identity theft and have filed a report with the Federal Trade Commission, which I sent to the credit reporting agency. However, this account is still on my credit report, and it needs to be removed because it is not a valid account that I authorized. Total Visa has ignored dispute after dispute, attached to this complaint is all the info they have requested in order to remove account. Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2013 my phone acctd funnyand started to open my bank accounts and I was seeing activity like my account information being open with out my consent when I got to the problem and reported it to my creditors they have locked my accounts and asked to me change password and phone since them fraudulent accounts starting apperaing on my credit report and I have discuseed this with chase and XXXX they did not listen finally send to the creidt agencies XXXX  and XXXX and for six months the information was removed after thet my information that i disputed after six months came back as accurate with no proof of claim I asked the creditors to send me proof of the debt and a copy of the application for the buiness account they denied it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX  identity theft. Some men got my social security number and used it for years. I was married 34 years and never paid attention to my credit file because my deceased wife started all our credit needs. She used her ss # and I came in and signed the paperwork to pay for everything. Until after she passed away, I felt I was getting credit also. After she passed, i went to buy a car nd was told my credit was very bad. I denied it and said we always paid our bills on time. I saw my credit report and there were almost 30 negative accounts on my file, as well as a few names and different states. I had to go to the police and file a report. The police said I was XXXX  and had a XXXX  for my XXXX. I denied it but the police said I had been. I got my info saying I had used an alias. I denied that, but none of the police believed me. They took my fingerprints and they did not match against the identity thief. The FBI said I could change a lot of things, but could not change my fingerprints. I was exonerated. Now, in getting those fraud names and addresses of my credit files has been a nightmare. The CRA 's breaking the law, outright lying to me. Also, some reps at the CRA 's told me things that would be finished by certain times, did not do it then end up ignoring me after repeated attempts to contact them via phone call voice mails, and emails. The law under 605B of the FCRA gives the CRA only 4 business days to correct the fraud items off my credit file.

Needless to say, those 4 days have come and gone. 
LexisNexis is the specific entity to say one thing and not perform and making their words lies and I am still harmed irreparably. To be lied to like this is very disheartening. Fix it now.
Product: Debt collection

ATTENTION TO THE CBE GROUP INC FORMER ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$630.00} does not belong to me. This account was fraudulently opened through this company THE CBE GROUP INC FORMER ( XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX  dispute handling particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using XXXX  a numerous amount of times and reporting discrepancies, my financial institution and zelle failed to investigate. My claims adequately. they informed me that recovering my funds was impossible and that tracking these transactions were unfeasible the CFPBs findings indicated that zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency I feel is unacceptable and raises a huge concern about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 4 CREDIT BUREAUS ARE FALSELY REPORTING XXXX, XXXX XXXX REMOVED DO TO SOL EXPIRED, ON XX/XX/2019 WAS SOLD TO XXXX XXXX AND OWNS DEBT AND CEASE COLLECTIONS.
Product: Money transfer, virtual currency, or money service

I need help.i I have an account with Robinhood Financial services with over two thousand dollars in it.I have been unable to access this verified Robinhood account.This company has no phone number or any way to contact a nonexsistant coustmer service.I have sent countless emails, changed my pin, my password, and sent a photo, front and back of my ID.with no response.This company is taking people 's money and not allowing them to have any contact.Please help me get my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF ID THEFT DUE TO XXXX XXXX BREACH.
Product: Mortgage

Loan modification package has been received by lender but sale date has not been postponed
Product: Mortgage

In XXXX an automatic payment was changed but continued to be drafted from the other account so payment was declined. I did make an automatic payment online. I called Carrington in XXXX during the grace period because I was no longer able to access the online payment portal. They informed me due to the returned payment I could no longer submit the payments online and they were not sure at that time if the automatic draft would be processed. One person I talked to said it was no longer active, someone else said it might still come out. I had no way to access this online to confirm it. The payment did automatically draft in XXXX. I called again and they assured me automatic draft is no longer active and said I must use certified funds such as cashiers check money order or XXXXXXXX XXXX. My bank sent a bill pay check but the check was returned and the auto draft still came out of the bank. In XXXX the bank check was returned and my mortgage is now late because they dont consider a bill pay check directly from the bank certified funds. So basically the only payment they are accepting is ones with additional fees attached. It is my opinion because they are considered a debt collecter that they are deliberately hindering my ability to make timely payments.
Product: Debt collection

On XX/XX/2023, a XXXX balance showed up on my credit report. I saw that it was from LJ Ross Associates and it stated that it was for my old utilities. However, there was never any balance on my account. Any attempt to collect any debt is fraudulent and as an attorney, I will see to it that this matter is litigated if it is not removed from my credit report