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

Remove the following accounts from my credit report immediately. As of XX/XX/2022 I received an update on my consumer report after re-investigation I did on Transunion on account ; XXXX XXXX. The account is still not reporting 100 % accurate on my credit report and i know this because i compared my updated Transunion report to my updated XXXX report and under 15 U.S. Code 1681i ( 5 ) any inaccurate or invalidated credit information reporting to my credit report after a re-investigation the consumer reporting agencies shall delete the item/account. The furnisher had more than 3 times to correct this matter so notifying them will do nothing i need this account removed immediately as this has been stopping from obtaining good credit and also is a violation of my consumer rights
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue of late open accounts on my credit report, marking my many attempts to resolve this matter. Despite repeated efforts to rectify this issue, the late open accounts persist, causing significant distress and hindrance to my financial well-being. 

I have diligently followed the procedures outlined by your organization to address this issue. However, the lack of action and resolution from your end is both frustrating and unacceptable. As a consumer, I have the right to accurate and fair reporting of my credit history, and it is disheartening to witness the persistence of erroneous information without appropriate intervention. 

Furthermore, I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX  XXXX Balance : {$10000.00}.
Product: Payday loan, title loan, personal loan, or advance loan

A loan was opened in my name by a fraudulent pay to work scheme that runs under multiple names. It violates so many consumer protection laws. The total balance of my loan is {$1600.00}. I already have an overdue payment that I missed on XX/XX/year>. The payment is for {$100.00} The program 's testimonials, stories, and other content is all from people trying to scam. They will talk you into opening a loan to buy a course, and you will not be an employee. 

Here is the link to the website of the program, which clearly depicts a scam : XXXX XXXX XXXX The company says they are hiring, but all they are doing is seeking people to buy into their business. 

When setting up a call with the company, they asked for my credit score, made me open an affirm account in my name, made me give access to my screen via XXXX, asked for my social security number, and made me sign a deceiving contract I also want to mention that the people running the company are very smart and know how to hide their scams well. They use people 's credit scores, SSN, purchasing power, etc.
Product: Debt collection

On XX/XX/2021 via Priority Express mail number XXXX  XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Wells Fargo Bank was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Wells Fargo Bank did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Wells Fargo Bank sent me emails and statements that I did not directly consent to and attempted to collect an alleged debt while the investigation was in place which is a violation pursuant 15 USC 1692g ( b ). Additionally, Wells Fargo Bank continued communicating or attempting to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Wells Fargo Bank by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Wells Fargo Bank has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Wells Fargo Bank must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
Product: Debt collection

A guy named XXXX XXXX called me from XXXX ext XXXX asking where to serve garnishment paperwork for one of my employees. I gave him the address and phone number to our corporate office where that is handled. A couple hours later he called back 6 times in a matter of 10 minutes using 2 different phone numbers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXX XXXX acct # XXXX, XXXXXXXX XXXX  XXXX acct # XXXX, and XXXX XXXX XXXX acct # XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance.

I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to XXXX per month per illegal reporting.
Product: Credit card

Throughout the duration of this account, I've consistently made timely payments, ensuring they never lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks appearing on my accounts. Referring to 15 USC 1666b, any billing errors should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have stated I have documentation of every letter sent to this company and no response from this company as well. The address on file for the account is not address I 've had the same address for   XXXX    years. If the company had responseded to any certified mail with return signature I sent that would have had my real address to contact me and respond accordingly. I have all the documentation from  XXXX  the certified mail I sent was received and signed for my the company no mail from this company was sent to me. Also as I stated a police report and report with the FTC waa filed  XXXX   XXXX    XXXX  . By law this company has to mark my account disputed upon 30 days of the request I sent by mail which was not done and any validation information binding me to this account was not sent within the allowed legal 15 days. Any disputes marked on my credit reports today will be removed and will mot stand in court as my letters sent to the company are date and time stamped as is the signature from the company when they received the letters I sent. The account needs to be removed from all credit reporting agencies. I will proceed forward with all the documentation and evidence I have for a lawsuit until the accounts are removed from any and all credit reporting agencies. A fraud alert was already placed on my accounts and social as well.
Product: Debt collection

I had an account fraud earlier in XXXX  during which some fraudster took advantage of weak defenses in PayPal to use my account to get payments from customers that he did not deliver. PayPal reversed these transactions once I became aware of it and complained but it appears they did not reverse all the transactions which resulted in this remaining balance. I have received no payment in bank accounts owned by me or anyone I know. All the money went to some fraud account that PayPal had investigated earlier. 

My account has been locked since early in the year and I have know way of receiving messages sent by PayPal as all of them are through this locked account. 

I need someone from PayPal management to quickly contact me to resolve this issue and reverse any adverse reporting on credit bureau and reimburse me for any expenses/ time incurred due to insufficient handling of fraud case on their part. 

I have spent several hours trying to speak with multiple people at PayPal or their outsourced service centers. They have not been of any help and keep sending me to automated emails etc that require authentication through my locked PayPal account. 

Please contact me by mail as I can not use PayPal account. 

Please escalate to Senior Management at PayPal as average agents there are unable/unwilling to help.
Product: Mortgage

We were supposed to settle on a house four different times first in XXXX two different dates then it got pushed to XX/XX/XXXX then moved to thr XX/XX/XXXX. Then it all fell threw we paid out XXXX $ for an appraiser for this house an were never eligible for the house from the beginning because of the type of loan we have we ca n't have over 10 acres an it did. Our loan officer " did not know this ''. We have tried everything an to get this money back he said he could n't do that but there 's no reason for so because we were n't able from the beginning to get it. Amung many other things that happened an lies my finances an I were told by this man that was supposed to be looking out for us an getting us into a house but never did he packed the whole house along with XXXX kids an had to unpack now because it all fell threw. I need a phone call from someone immediately.
Product: Checking or savings account

My wife is a shopaholic so I was trying to open a bank account with XXXX  XXXX XXXX or USAA so I can transfer the bill money there o keep it safe, but when I call they require a text notification and when I ask for an alternative since I am on XXXX and don't get cell service to come into a branch which i cant do either until I am home.
Product: Credit card

On todays date, XX/XX/year>, my Barclaycard online access was locked and I have no way to make payments on my account. Heres what happened. I logged into my account, and noticed a We identified fraudulent activity and was prompted to call in. I was told in order to unlock my account, an outbound call would have to be placed. Most likely to make sure I didnt spoof my number before calling in. I was then told the phone number Barclays had on file for me could not be used. The representative who took my call was named XXXX, and she proceeded to lock my online access while I was on the phone with her, which was not locked prior to the phone call. She stated that she could not verify me and I would have to send in XXXX documents, XXXX of the XXXX including my social security number. I hung up and called again. The next agent informed me due to the actions the previous representative took, she can not verify me and its being required I send in all three documents. I explained I am not doing that due to the risk of misuse of my information such as the XXXX XXXX scandal. To my knowledge, the bank is using the XXXX validation method which is offered by the Social Security XXXX. They can verify theirselves my information is correct, but are still telling me its required to send them all three required documents. This is not a new account, I have had this account for XXXX years and find what they are doing concerning. If I can not be verified by calling the bank, and I can not log in to my account online, I have absolutely no way to make payments on this account and this account will be defaulted on, not due to my negligence. I am immediately writing this statement to notify the CFPB of this to protect me and my rights in case there are missed payments and negative remarks on my credit report that come from this situation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my financial standing, and I am seeking your immediate assistance to address and rectify this matter.

I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. These fraudulent entries are causing significant damage to my creditworthiness and are a result of identity theft or unauthorized actions. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, hindering my access to financial opportunities.

I kindly request that you take the following actions to address this issue : Conduct a thorough review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$73.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$340.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Unauthorized use of my account..I never received my debit card ... it says ATM withdrawal for XXXX..someone deposited XXXX into my account... I don't own that type of money or know anyone that do... I've been logged out of my account..I tried to pull money thinking my job direct deposit me..but as I just got off the phone and my direct deposit wasn't going to be ready until XXXX payroll week..somebody hacked my account..I never received no mail..my address is XXXX XXXXXXXX XXXX  XXXX FL XXXX 
I haven't updated my driver 's license address to my former address but I mention that in my interview to open account..can you please contact me..I 'm currently out of town..
Product: Credit reporting or other personal consumer reports

XXXX, transunion, and XXXX are reporting a late payment when they shouldnt be PER 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XX/XX/XXXX, received a bill from XXXX stating I owed {$190.00} for equipment not returned. 

XX/XX/year> I returned all equipment. I still have the receipt for items returned. Same day received a text message from XXXX XXXX that I have been charged for the items I just returned. 

XX/XX/year> received another text from XXXX XXXX that my account has been placed for initial collection with XXXX  XXXX XXXX XX/XX/year> Had a live chat conversation through Xfinity app with them stating everything was up to date and I no longer had to pay because I returned the equipment and my account will be updated that I dont owe anymore ( I have screenshots of messages as well ) XX/XX/year> received a letter from EASTERN ACCOUNT SYSTEM OF CONNECTICUT, INC. stating I still owed XXXX the {$190.00}. 

XX/XX/year> Had yet another live chat conversation through XXXX  app stating that my account has yet been updated and I dont owe them for the equipment I have already returned. I have screenshots of that conversation as well stating to give them 24-48 hours for adjustments to be made so I will no longer be in collections XX/XX/year> sent out printed receipts of everything above to show I returned equipment and have reached out multiple times to XXXX  to bring my account up to date. I sent the paperwork to : XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX With ups tracking and said that it was received. 
I havent gotten any follow up letter or email about this matter and would like it resolved. 

XXXX ( account number with EASTERN ACCOUNT SYSTEM OF CONNECTICUT XXXX INC. ) reference # XXXX
Product: Credit card

I used the capital one mobile application to make a payment on my capital one quicksilver credit card. I noticed a day later that they actually planned to charge me XXXX different times but assumed it was just a mistake. Capital one then charged me XXXX dollars XXXX times and XXXX dollars a third time. I called them about the charges and they said it would take XXXX business days to refund me the accidental charges. The payments overdrafted my bank account which caused me to be charged with overdraft fees since they charged me more money than I actually had in my account. I deposited XXXX dollars so I wouldnt owe as much but I am still negative XXXX.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Please make a thorough investigation on the following : Former : XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX  Date of Birth : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please take this seriously as I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed by Experian. I have sent in this report but these fraudulent items still remain.