23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I worked for XXXX University from XX/XX/XXXX - XX/XX/XXXX. I was a salaried part-time employee. If you look at the documents, you will see my end date as XXXX in one place, and in another it is XXXX. XXXX paid me my salary. You can see the attached statement of earnings dated XXXX - XXXX. I was paid monthly. Also, on this same page, you can see where someone has altered a date with a pen. They changed it to read XXXX XXXX is saying I did not work in XXXX and should not have gotten paid. The dates on the earnings adjustment do not match. Also, on the overpayment calculation page, they have I was over paid on XXXX. I did not work at XXXX on XXXX. Look at request for termination page XXXX entered. They wrote they should have entered three but the system would not let them. I did not receive an overpayment from XXXX. If you look at the numbers and dates, they are incorrect. 

Also, I had to quit due to illness. I went on XXXX. XXXX reported the entire amount as my salary to the IRS - {$5000.00}. If I did not earn this why was it reported to the IRS? This amount was too high, and XXXX canceled my check stating I had made to much money. When I asked XXXX to provide XXXX with my beginning and ending date of employment and total earnings, they reported this full amount. They did not say I had an overpayment, or my earnings were less, and I needed to pay them money back. Due to this, my XXXX check was stopped in XXXX when my income was reported. I paid taxes on the money. XXXX is now telling me I owe them back XXXX. In addition, it is on all my credit reports. No one at XXXX would explain it to me. No one will remove it. 
On the one hand, they are telling the IRS and XXXX they paid me the full amount, and on the other hand, they are saying they overpaid me and want their money back. They did not overpay me. They have made mistakes with dates and entered numbers where they should not have. 

I disputed it an I received a letter from KLS Financial Services telling me under 15 U S C 1692g there is no basis in law for me to have any information about the debt and the Federal Trade Commission has stated they do not have to comply with such request. 

It is on my credit reports. I am receiving phone calls and letters for something I do not owe. If I did owe it, why not subtract it from the IRS wages? Why report it to XXXX? You can not tell some people I did not earn it and others I did. This has disrupted my life. I earned the money and paid taxes on it. XXXX found out I worked and earned the money and they stopped my check after verifying it with XXXX. I need it removed from all credit reporting agencies. XXXX did not overpay me. They can not file with the IRS and XXXX telling them I earned the money and then turn it over to collections stating I did not earn the money and they want it back. This is fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to properly investigate disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for issues like not forwarding consumer evidence, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These issues match my experience, as Experian has not corrected or removed the disputed items despite the evidence I provided, harming my credit. I request immediate action to fix these errors, as Experian 's failure violates federal law and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND EXPERIAN IS IN VIOLATION OF THE FCRA. THEY HAVE BEEN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THEY HAVE NO CONFORMED WITH ME TO VALIDATE THIS INFORMATION OR ACCOUNTS. I DID NOT GIVE THEM MY PERMISSION TO REPORT THIS INFORMATION. THIS INFORMATION IS NOT MINE AND DOES NOT BELONG TO ME. 
THIS IS NOT MINE OR DOES NOT BELONG TO ME ADDRESSES : XXXX XXXX XXXX , XXXX, FL XXXX This address does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 

ACCOUNTS THAT ARE NOT MINE US DEPT. OF EDUCATIO | 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 INQUIRIES THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to which is reported erroneously. I am in desperate need of these items to be INSPECTED and blocked. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention this company has furnished a late payment to my consumer report. For the month of XX/XX/scrub>XXXX XXXX XXXX XXXX 
The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I HAVE NOT provided this company any writing permission. to furnish any of this information.
Product: Debt collection

I had Covid for the third time I called in XXXX to put my mortgage in forbearance because I was sick for three weeks and I had to wait for a month to receive the application and then later filled it out and was getting fund for Raft program to pay my past due balance application XXXX XXXX the issue payment on XX/XX/XXXX I was approved for the amount owed and the mortgage company denied my application for forbearance I sent in do to support my claim being on set income for work related injury they are send to the credit bureau saying I owe money that was paid it takes up to two weeks for them to receive payment my credit is being affected and I explained that a government assistance program was paying it
Product: Credit reporting

I have called Experian numerous times to have hard inquiries that were not mine removed off my credit report. I have requested signed applications of proof of the inquiries posted to my credit report on XXXX/XXXX/2016 and XXXX/XXXX/2016. All investigations sent back to me case closed with no signed evidence that I applied for the credit. I also spoke with an Experian representative who put a fraud alert on my report on XXXX/XXXX/2016 and I have not received a response and it is past 30 days. I have also sent a certified, notarized letter to both Experian and XXXX on XXXX/XXXX/2016 requesting proof of inquiries or they must remove the hard inquiries. The certified tracking numbers are USPS XXXX and XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts : XXXX  XXXX balance {$6700.00} XXXX XXXX balance {$3300.00}
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Please delete this account immediately from all three credit reporting agencies.
Product: Checking or savings account

I was charged a {$10.00} service fee, however I have direct deposit and was promised over the phone that I would be charged a fee if I signed up for direct deposit. XXXX and XXXX at wells fargo told me I missed out on the free checking account using direct deposit by one day, I had to have my direct deposit in by the XXXX but it was deposited on the XXXX. I have no control over when my company pays me. And I was further discriminated against because XXXX denied me the ability to speak with someone else. I was only able to file an internal complaint, but wasnt given a point of contact to reach out. If I had more money on my account I wouldnt have been discriminated against. I was also lied to by XXXX and was told I was not able to wait for a XXXX because no one was available, however she told me there was other people I could talk to but said I couldnt talk to them because they would give me the same answer XXXX told me this as well. They were unwilling to give me my money back throughout the whole conversation because I dont have enough money for them to care about and just kept saying everyone would tell me the same thing even though they didnt take into consideration that I was told I wouldnt be charged a fee as long as I had direct deposit, and there were not any stipulations on the direct deposit such as dates like they are claiming now. They are able to make up rules to entice me to set up direct deposit with them then go back on what they promised me such as a XXXX  monthly service fee then come back a month later and say my direct deposit must be deposited on certain dates even though I have no control of that. I believe that they are manipulating me as a consumer. They make money off of my account just being open under their institution, and yet they are lying for more money and more accounts, which Wells Fargo had done in the past.
Product: Debt collection

Today XX/XX/year> I received an alert through my current credit monitoring service that my XXXX is reporting that an account had been added to my credit profile. The company that has been added is LVNV FUNDING LLC, and it is reported that this company is a " Debt Buyer Account '' so this company is categorized as a debt collections company. But I do not know what this debt is, and where this debt originated, therefore my only assumption is that it is a debt based on fraudulent basis. This is not my debt nor an account that I am responsible for. So this complaint is to inform the debt collector I do not intent to pay money that I do not owe.

According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) ( 1 ) ( A ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

If this is not removed from my credit profile with XXXX I will proceed to file further complaints with the State Attorney General 's office and I will also be filing XXXX complaints. This will the the start of a series of complaints filed if the reporting of this erroneous debt continues.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am a victim of identity theft, requesting removal and deletion of account from my transunion, Experian, and credit report. I am writing to formally report complaint for a debt of { {$1000.00} } that has been falsely reported on my credit report by XXXX XXXX XXXX. account number XXXX. This debt was allegedly sold to a third party in and does not belong to me. I have verified my records and found no evidence to support this claim, nor have I received any prior notice, billing, or validation of this debt. I believe this reporting is erroneous and violates the Fair Credit Reporting Act ( FCRA ). Specifically, the issue lies in : Lack of Validation : I was not provided adequate verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Erroneous Reporting : The collection does not correspond to any services I have received or authorized. Improper Sale of Debt : This debt originally belonged to the XXXX XXXX XXXX which was indeed sold to a third party XXXX XXXX I was not notified of the transfer, and no valid documentation was provided to substantiate its legitimacy. This false reporting has caused undue harm to my creditworthiness and financial stability. As per FCRA 611 ( a ), I am requesting an immediate deletion I received a negative report on credit report from this 3rd party collection agency Ive never done business with this company or never gave them my personal information I believe this company is illegally using my information and breaking the laws under 15 USc 1601
Product: Credit reporting or other personal consumer reports

I asked first progress to remove the paid and closed account from my credit report. This account is keeping me from getting other credit cards because it shows as potentially negative and charged off. Please remove the paid account!!!!!
Product: Debt collection

I think the first contact I received was around the Fall of XXXX. The caller introduced herself as being with XXXX XXXX through originally XXXX XXXX, later transferred to XXXX and then to Financial Recovery Services. She informed me of a credit card that was overdue for payment. I explained that I had never applied for XXXX XXXX. In fact I have a XXXX account that only had my personal debit and local bank card attached to it and that I didn't need a paypal credit card. I asked her what the charges were for. She stated XXXX services for the amount of {$4900.00}. I told her that I live in a rural farming community and XXXX isnt accessible. Furthermore I have my own vehicles and don't need XXXX services. She asked if I had ever used XXXX ever. I stated I had in XXXX one weekend and in XXXX, but my XXXX account is only connected to my personal bank account. We went back and forth. She asked me if I thought this was fraud. I stated yes. I never heard back until XXXX of XXXX. I again explained the situation. I was asked if I would be willing to fill out an affidavit and I said yes. I did that, had it notorized and returned it. I never heard another word until XXXX of XXXX from Financial Recovery services. At that time I forwarded the affidavit. I followed that up with a letter from an attorney and they have never replied. I would like to get this issue resolved. I would like my credit cleared and I am getting no where.
Product: Checking or savings account

Bank closed account without valid reason. 
Cause bill pays to be return At expenses. 

Funds were not received
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are not responding to my requests to investigate and rem ove one  account from my credit report that does not belong to me.
Product: Mortgage

I applied for a mortgage on XXXX XXXX 2016 With Amerisave Mortgage Corporation. I received an offer and a lock agreement for a {$180000.00} 15 years loan at 2.75 % .+ points discount. During the next 2 months after many emails and phone calls and many document transfers, I was informed that if I did not agree to a new interest rate and 20 years mortgage our loan would be terminated. Well I needed the refi to pay off some bills and for the down payment on my daughters town home. I was between a rock and a hard place as if I started a new application elsewhere it would take another 2 months and she would lose the earnest money and the town home. I had to take the new rate at XXXX and no reduction in the points for the loan. Not only was I taken advantage of by Amerisave Mortgage, if after all is said and done they also XXXX with the points charges. I believe that I am not the only person preyed upon by Amerisave Mortgage as a lot of their reviews on the internet paint them in a very negative light.
Product: Mortgage

I believe Wells Fargo Mortgage engaged in deceptive practices. 

In XX/XX/2020 I contacted Wells Fargo to look at refinancing my loan, both to get a shorter term and a lower interest rate. I completed the application, and signed a rate lock ( 2.75 % ) with 0 points.

At the time, I was told it would be 60+ days to close, so I asked Wells Fargo if I should send a large lump-sum payment to pay down the principal, or wait until the refinance goes through and use that as a " down payment ''. I was told to go ahead and send the lump sum as an additional principal payment. I have all communications with Wells Fargo that directed this. 

I made the payment in XX/XX/2020. In XX/XX/2020, Wells Fargo contacted me and stated that since my loan balance had been reduced by my principal payment, the rate lock was no longer valid, and I would have to pay points in order to get the rate I was promised. I stated that Wells Fargo TOLD ME to pay down the principal, rather than wait for refinance, to no avail.

I then looked at other refinance options. Since this is a VA IRRL, I quickly received a quote for 2.25 %, with no points. I told Wells Fargo to cancel my application with them. Only after I told them to cancel did they offer 2.50 % with no points.
Product: Credit card or prepaid card

I had services performed at XXXX XXXX on XX/XX/XXXX. My bill was XXXX. I attempted to charge my debit card from US Bank but the cashier said the transaction kept coming up as canceled. I then had them use my XXXX card and it went through. A couple of days later I show the XXXX transaction on my US Bank debit card. I called XXXX XXXX and they told me I had to call my bank because they were only paid once. I contacted US Bank and they told me I had to dispute the transaction. I sent US Bank the receipt showing the services was charged to my XXXX. I received a letter from US Bank saying my dispute was denied saying services was provided. I did not dispute services was not provided my dispute was I was charged twice, once on my XXXX which I provided them the receipt and once on my US Bank card which XXXX XXXX said didnt go through. I have tried to contact US Bank dispute department and I keep getting the run around and unable to speak to someone from that department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

My name is being reported incorrectly on my Equifax report for years even though I have sent them in my State Issued ID.
Product: Credit card or prepaid card

On Friday, XX/XX/2022, I directly purchased a {$100.00} Google Play gift card via XXXX for in game/ app purchases in a number of XXXX XXXX I immediately redeemed the code upon e-mail delivery. XXXX sells gift cards through XXXX  Gift cards. Upon e-mail delivery, XXXX provides a link to XXXX XXXX to actually generate the gift card code. 

On Saturday, XX/XX/2022, I tried to make purchases in the game XXXX XXXX XXXX, only to receive an error message that I needed to fill out a form that requested that I provide details for a physical gift card in order to continue with the purchase. I provided as many details as I could since I had used a digital gift card that did not have a front and back of a physical card. 

The first Google customer service representative was very combative over the live chat and told me to review to terms of cooperation for violations. I was confused both since terms of cooperation are between companies and that the link that I was provided was for the Terms of Service. To my knowledge, upon review of the ToS, I am in full compliance of the Tos. If anything, Google may be in violation of the ToS for failing to provide access to funds that I purchased and added to my Google Pay Balance. 

Over the past almost three weeks, I have sent e-mails, used live chat, and called almost every day for updates and a fix/ actual resolution to this problem. I have repeatedly been told that the issue has been resolved and to wait 48 hours. Wait 48 hours for what!? If the problem is fixed, then I should be able to use my loaded {$100.00} balance immediately. 

Doing a websearch has indicated that other users are experiencing similar gift card woes. 

At first, and most of the time, customer service reps told me that there was a random security check on my account that was resolved. Then I was told that there was an issue with verifying and redeeming, and unlocking my already loaded balance. Now I have just been told that, tough luck, the case is closed, " sorry for all the inconvenience. '' I don't want a fake apology. I want my money. If you can't transfer my balance into store credit or more Play points, then issue a full refund. Of course, there is a no refund policy. But I can't use my {$100.00} gift card balance because it is locked by the same error message asking me to fill out a form for physical gift cards. I can still use workarounds like my debit card and accumulated Play points for purchases. 

I have been repeatedly told that I am a valued Platinum Points user, only to repeatedly hear that I need to wait 48 hours for a fix that still hasn't come. 

Google reps have also been trying to quietly close my XXXX XXXX XXXX case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts illegally open in my name I no longer lived at the address and or never lived at the said addresses