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

Dear CFPB, Please note I have tried disputing incorrect information on credit reports numerous attempts and they have yet to audit and remove permanently as stated incorrect address, name, and employment status and address. 
I have not supplied proof under the Doctrine of Estoppel by silence, XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

According to the fair credit reporting act ( FCRA ) section 605B. It's illegal to report information to credit without my permission. Please remove this item from my credit report.
Product: Debt collection

Hi this debt is fraud - Ive already disputed and it was deleted due to fraud. The company XXXX collection was sold the debt from credence while credence knew the debt was flagged as fraud and deleted attached is the correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Municiples employees XXXX Municipal employees XXXX Went to get added on my fiancs credit card as an authorized user bank teller ran my credit report for new credit card lines.
Product: Mortgage

We have decided to sell our home and we had previously modified our loan. On our payoff there is {$57000.00} in lender paid expenses. Our current lender it collecting interest for the difference in our modification that was no where in the agreement we signed. We have moved due to work and have to get this sold and I've asked twice for the original modification and they can not provide it.
Product: Credit card

Hello. I paid my PayPal MasterCard ( Synchrony Bank ) off, {$16000.00}, on XX/XX/XXXX. 
When I attempted to make an approximately {$3500.00} purchase on XX/XX/XXXX, they said I had insufficient credit available. The person I talked to on the phone attempted to defend their actions, but was not able to do so effectively. Long story short, they have taken my electronic funds transfer and are sitting on at least a portion of it, probably making money on it. This seems unacceptable to me, and while I am cancelling this card and my PayPal accounts, I'd like to know if this is legal and common practice.
Product: Credit card or prepaid card

TD permitted use of the card over the allowed credit limit and then charged me a fee and interest!
Product: Checking or savings account

I filed a fraud report with wellsfargo XX/XX/18. I have made a police report and had around 7,000+ deducted from my account without authorization. I notified wellsfargo and made a claim. I did not hear back from Wellsfargo until the 9th day and on the 9th day, my claim was denied. I was contacted by one branch of the fraud department stating part of my claim was being refunded in the amount of less than {$200.00}. Once he mentioned the wrong dollar amount he placed me on hold and stated he would reach out the main claim personal to have a follow-up call and work to get my funds return as soon as possible. No, follow up. I have spent half my day trying to receive support to learn three cards were sent out and only one was in my possession. I simply want what is rightful mine. The amount is substantial and by law, I feel, I should not be legally responsible for charges not authorized and reported.
Product: Vehicle loan or lease

Toyota dealer from XXXX in illinois, charged me a down payment to order the car. However the car was not delivered the time they had agree. When I asked for my downpayment of XXXX back because I no longer needed the car, they refused to give back. They sold the car to someone else and I still dont receive my money back.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 years.

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: Money transfer, virtual currency, or money service

My Wise Account was closed without a notice and That is what I used for my Tax Refund to be deposited into. Please I need my Account Reactivated
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed some errors. I've highlighted them in the attached copy for your reference. Here 's what I found : 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  I'm requesting the removal of an inaccurate inquiry from my report regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, I'm asking for an investigation into these items and their removal from my report. I understand that you'll need to verify these with the creditors who posted them. Please remove any information that can't be verified by the creditor. I'm aware that under 15 U.S.C. Sec. 1681i ( a ), you have 30 days to complete this reinvestigation upon receiving this letter. Thank you for your attention to this matter.
Product: Mortgage

Our mortgage was transferred from XXXX to Nationstar Mortgage effective XX/XX/2016. Prior to it being transferred we paid our XX/XX/XXXX bill like usual with XXXX. While setting up our online account with Nationstar we noticed our bank account information transferred over automatically and in turn our auto debit settings transferred over as well. The only issue appeared to be that it was going to skip the XX/XX/XXXX payment, take effect XX/XX/XXXX, and that we would have to manually pay the XX/XX/XXXX bill online. So I went ahead and did just that on XX/XX/XXXX, with 6 days left in the grace period. It was debited from our account on XX/XX/XXXX We then woke up on XX/XX/XXXX and noticed that Nationstar attempted to withdraw an additional full {$1100.00} mortgage payment from our account which resulted in a {$40.00} NSF fee from our bank, XXXX. We were confused as to why, but saw that the bill was payed so we ignored it. A week goes by and they again attempted to withdraw another {$1100.00} from us resulting in another {$40.00} NSF fee from our bank. I then called their customer service and spoke to someone that was the equivalent to speaking to a brick wall. She could not follow what I was saying and kept repeating the same thing like she was just reading off a script and did not have a mind of her own. After XXXX minutes of not getting anywhere with her I asked for a supervisor and was transferred to someone that, after having to repeat my issue a few more times, finally somewhat understood what I was saying. She conducted a few minutes of research and then finally assured me that I was all set and that it appeared to be a computer issue on their end. I contacted XXXX and they more than happily refunded the XXXX NSF fees. We then all went on our merry way thinking everything was rectified. Fast forward to today, XX/XX/XXXX I get a call from a rep at Nationstar saying we STILL OWED OUR XX/XX/XXXX MORTGAGE PAYMENT. I explained what had happened XXXX weeks ago and somehow they magically found that it was in fact payed and that the issue was XXXX had n't sent over the payment from XX/XX/XXXX. I do not understand at all how these issue keep occurring. I do not understand how their computer system can make this many mistakes. I do not know if someone is doing something maliciously or criminally, or if they are just incompetent. What I do know is that we will be searching for a new mortgage company and if there is XXXX more issue we will be moving.
Product: Money transfer, virtual currency, or money service

We recently used the Bank of America 's Payment and Invoice services to receive payment from a client of our 's for a time sensitive project. We were under the impression that this would be a pretty seamless process but we later discovered that the Bank of America is basically using a third party processing company with little to no customer support. After our customer paid our invoice we then received a date when we would receive our funds. When that date came we received a notification via email that the payment would be delayed. No worries, it was just delayed by 5 days. So here we are 5 days later and no ACH received from Bank of America. This payment is now 12 days late when the standard ACH only takes about 3 business at the most to reflect. We reached out to the Bank to voice our discomfort about how this process is going and Bank of America placed our bank account under review and 15 minutes later they closed our account with " no notice '' at all. Mind you our customers ' {$16000.00} payment to us is now in limbo. Before using this product we did a little research and learned that this product would benefit our company greatly by simplifying our payments by ACH, so it stunned us to find out they they are using a processing company with 2 stars on Trustpilot to process ACH 's when Bank of America themselves can easily process ACH 's. We feel like our account was closed maliciously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an unknown address on my report. Please remove XXXX XXXX XXXX XXXX XXXX, LA XXXX from my credit report immediately! I have never lived here and this address was used to get an account in my name that resulted in me having a collection which was cleared due to the ftc claim and police report. I will be seeking litigation if this is not removed.
Product: Debt collection

I requested a validation of debt on XX/XX/2022. On XX/XX/XXXX I received only a statement from them saying that the debt was validated. The statement did not have any of this companies information on it nor was there anything that proves that this company has a right to collect on the alleged debt. They are reporting my personal information on a debt that has not been correctly verified. I do not have a contract with this company. They never provided me with a service but they are reporting on my consumer report. I have not received anything from them that gives them rights to be harassing me for this debt. I sent another validation of debt letter on XX/XX/2022. I have yet to receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Explanation : To my knowledge, these multiple inquiries were unauthorized. I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as their accuracy per FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit card

I am a victim of identity theft and someone stole my personal information and opened up XXXX credit card accounts with Capital One Bank. I never applied for a credit card with Capital One Bank. The XXXX credit accounts are unauthorized, fraudulent and do not belong to me. I have sent numerous letters, police reports and copies of my Minnesota drivers license and social security card to Capital One Bank and have informed Capital One Bank about this matter numerous times. The following accounts ending in : XXXX and XXXX, do not belong to me. I will not send any further correspondence to or communicate with Capital One XXXX.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint with the CFPB on XX/XX/XXXX, regarding fraudulent accounts on my Equifax credit report. At that time, the following account was removed after being identified as fraudulent : Creditor Name : XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ). 
However, this account has reappeared on my Equifax credit report, despite its earlier removal. It now shows as further in default, causing additional harm to my financial stability and emotional well-being. 

I have never authorized or benefited from this loan. My personal information was compromised during the Equifax data breach, which likely facilitated the fraudulent activity. 

Under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], Equifax is required to block and permanently remove fraudulent information upon receipt of proper documentation. Their failure to do so violates FCRA Section 1681s-2, which prohibits furnishing inaccurate or unverifiable information. 

I submitted the following documentation to substantiate my claim : FTC Identity Theft Report Government-issued ID Proof of Address Confirmation of the prior removal of this account.
Product: Mortgage

To whom it may concern : Greetings, my name is XXXX XXXX and I am writing in regardsto my previous request for homeowner assistance. 

Im very disappointed about the denial letter/s I received pertaining to my urgent request for homeowners assistance/modification. My first modification application was approved and appeared to be progressing normally but soon after signing the final modification documents, I received a denial letter from PHH stating there was a minor issue with my middle name/signature. I was not informed of this error in a timely manner and/or I was not afforded an opportunity to correct it. I do not understand why corrected final modificationdocuments were not prepared and quickly sent out to me for completion. 

I completed everything required and/or requested from me during the modification process -- to be denied assistance for something as basic as a middle name is unacceptable to me.From my understanding we could have used an AKA to ensure a successful signing and I question why the notary did not mention any issue with my name on driver license versus the final modification documents? I feel let down and worry that my home is at risk now based on the errors and/or limited experience of your employees/vendors. 

Finally, I would like all parties involved to understand that myhardship is over and resolved. Im simply requesting to have the delinquent payments placed at the back of my loan as I was led to believe for months. I want to continue making my payments and providing a home for my XXXX  and her XXXX  child. This is my home, Ive worked very hard to be a homeowner and I intend on keeping my property. 
Please work with me and reconsider my request for assistance/modification. 

I JUST NEED GENUINE HELP -- PLEASE CALL ME XXXX. 

MY FAMILY RELIES ON ME AND I WANT TO KEEP MY HOME. 

Regards, XXXX XXXX ( Homeowner )
Product: Credit reporting

I have submitted my request to equifax in regards to the abuse of my credit profile with the collection agencies on my report and they along with the collection agencies do not want to comply with federal laws regarding debt collection practices in regards to billing, collections, medical debt they investigate it and no matter when the law is right they refuse to correct the errors on my report be purging the information from my credit record XXXX. I have asked them to supply me with the information of the individuals they have contacted regarding the alleged debt and they have refused profusely. Each time they expect their clients to tell the truth and when they lie they take their word as truth instead of asking for the original paperwork, billing or alleged contracts that they said that they have in their posession before the alleged debt was sent to them. I want with information from them and its refused each time now i am forced to go to get an attorney to sue the collection agencies and well as them for reporting such debts that i dont owe due to the bills being paid off.
Product: Credit reporting

There are several issues:1. FAILURE TO DELIVER FREE CREDIT REPORT. I completed a complete written application including copies of driver 's license and utility and mailed that to Experian at its free credit report address. In response, Experian sent me a statement claiming I failed to provide ANY OF THAT that information in a letter I received about 2 weeks after my request. 
2. BREACH OF CREDIT INFORMATION. The statement from Experian was directed to my home address but listed a completely unknown name : " XXXX XXXX XXXX. '' It appears that Experian has given me confidential identification belonging to another person. Experian 's Report Number is XXXX and was issued XXXX. 
3. FAILURE TO MAINTAIN 800 Number. I received a subscription to ProtectMyId.com, a company owned by Experian, under a court settlement regarding massive identity theft. I logged onto that site and saw XXXX erroneous credit reporting issues. Using the website, I tried to file a complaint using that service, but it would not allow me to file any complaint. The website demanded a report number, but did not give me a report number to identity the matter. I attempted to call ProtectMyId.com but noone answered the phone, even when I hit XXXX or followed the prompts. I then tried to call Experian and could not get through either. 
4. PROTECTMYID.COM. I filed an online complaint with the website stating it did not deliver the service it was set up to deliver. I received an email over a week after I sought help from ProtectMyId.com stating that my request for assistance was received. I responded asking for actual help. I have never received any assistance from the website, Experian 's subsidiary. Instead, they then sent me a letter telling me they could not help me with a dispute involving Experian. 

CONCLUSION. I am very concerned that Experian is reporting incorrect information on my credit and refusing to communicate with me about it and is instead releasing another person 's name to me. If they confuse me with another person, are they sending out my confidential information to a complete stranger? XXXX
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX  XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights. 
Account name : XXXX XXXX XXXX XXXX  has violated my rights. 
Account name : XXXX XXXX XXXX XXXX  has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX 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 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 years. 

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

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTSCOMPLETELY FROM 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 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 XXXX XXXX XXXX XXXX