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

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below are the lists of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I received a call from Wakefield and Associates on Saturday but missed it. I called back this evening on XX/XX/2023 at approximately XXXX. The agent I spoke with said they were attempting to collect a medical debt. I explained that I had previously asked to be contacted by mail only. He became combative and spoke over me and said if I didn't pay the debt, my credit would be damaged. He kept asking me if I wanted to take care of the debt or not. I told him the conversation should be over since I've ALREADY requested to be contacted by mail only. He said they'd already sent me a letter and until I paid it, they would keep calling. When I insisted my rights were being violated, he kept talking over me and saying I needed to pay the debt. I asked for a supervisor and she came on the phone after a couple of minutes. Her name was XXXX XXXX. I spoke with her and told her how the call had gone so far. She said they updated my account 's notes and I will only be contacted by mail going forward. However, my rights have been violated since I had previously requested this.
Product: Credit reporting or other personal consumer reports

I have requested to XXXX XXXX XXXX  to validate and verify the negative account they arereporting on my personal credit profile, including providing an acknowledged agreementand transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Accounts Due to Identity Theft Under 15 USC 1681c-2A Dear Equifax Disputes Department , I am writing to formally dispute and request the blocking and deletion of fraudulent accounts reported under my name and Social Security number. As a victim of a data breach and identity theft, I invoke my rights under 15 USC 1681c-2A ( the Fair Credit Reporting Act ) to protect my credit file from unauthorized activity. I am promised accuracy on my report based on federal law FCRA ,15 USC 1681 as you can see in your system you cant validate or verify this information so I wish that it all be removed. 

Enclosed, I have included the following documentation to support my request : XXXX. A copy of my government-issued ID ( e.g., drivers license ). 
XXXX. Proof of address ( e.g., utility bill or bank statement ). 
XXXX. A copy of the Federal Trade Commission ( FTC ) Identity Theft Report. 


I have identified accounts in my credit report that were opened or accessed without my consent. These accounts include, but may not be limited to : Pursuant to 15 USC 1681c-2A, I request that Equifax : 1. Block and delete all fraudulent accounts identified in my credit report. 
XXXX. Prevent any future reporting of these accounts. 
XXXX. Confirm the resolution of this dispute in writing. 

If you need any further information or documentation from me, please contact me at XXXX or XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent accounts have been removed from my credit file. 

Sincerely, XXXX XXXX XXXX : Copy of government-issued ID Proof of address FTC Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Transunion and XXXX have claimed that XXXX XXXX XXXX has provided them with accurate information with regards to their reporting. XXXX, however, came to a different resolution. 

Im asking Transunion and XXXX to provide a copy of what XXXX statements they have provided to infer such resolutions. I've attached XXXX reporting on the matter. This is a third time ive address both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXX XXXX Balance {$4200.00} XXXX XXXX Balance {$4200.00} XXXX XXXX Balance {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IF falsely reporting information on my credit report that is invalid. Due to current litigation against this company, it is illegal to report any negative information on my credit report until after the court matter is resolved. 

Please see attached documents I am currently appealing a case with this company, and a decision has not been handed down as to the outcome of that case.
Product: Debt collection

Upon reviewing my credit report I noticed accounts from RSH AND ASSOCIATES placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to RSH. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. RSH has NOT complied AT ALL with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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: Debt collection

-Was not living at the address at the time account was opened. 
-No notification that account could be disputed. 
-No contract with 3rd party collector only original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two days, XX/XX/XXXX and XX/XX/XXXX I have tried to get in touch with an Experian live person to get access to my free credit report. I have not frequently tried to access the account. I am trying to unfreeze my credit so I can apply for a mortgage refinance. Currently, they are denying me the ability to do that. 
Online message is " OOPS '' when I have tried multiple times. I can not get any assistance through their published phone numbers. They offer the same recording regardless of which number is called. Their is no resolution to my not having access to my " free '' credit reporting that is allowed to me by law. 
I can not wait days to mail in anything. There is no indication as to why I do not have access. 
I thought the open online access is guaranteed to all citizens by law. 
They can reach me at ( XXXX ) XXXX or ( XXXX ) XXXX.
Product: Checking or savings account

Bank of America closed my minor daughter account without notifying me by email, phone or mail. My daughter receives back pay from SSI and is required by law to have an open account. Bank of America knew this and still didnt give me a reason on why my daughter account was closed. Now they want me to go into a Bank of America office and speak to a specialist about re-opening the savings account. I want to know why was it closed without any form of communication?
Product: Credit card or prepaid card

I went into Best Buy to look for a new Television. When I was helped during my purchase, I was offered a Best Buy Credit Card. This sounded great having 0 interest for so many months. I made payments, sometimes not on time, but was told that they don't need to be on time as long as the amount is paid by the end of the promotional 0 interest term. So by the time that ended, my amount had grown, it seemed I was not making a dent in my original bill. So, I contacted Best Buy and was told that I had an insurance that was being charged to my card. I asked what this was for, I had never been talked to about this nor explained what this was. The kid who helped me with my original purchase, in my mind, should not have been in charge of signing someone up for something they can't explain in full. So, basically, from what I understand, my payments were being chopped down by this " unknown charge '' for insurance and never allowed me to pay off my debt. I know that I have paid over the amount I owe for my original purchase in total. This goes against federal regulation as being unfair/deceptive business practices and I know I am one of many across the country affected by them. I last contacted BestBuy almost 2 years ago over this matter and have not heard or received anything from them in the mail since. My wife and I are in the market for a new home and when I ran my credit, we found out I have a huge ding in my score due to this Best Buy credit card! Needless to say, there are no words to the frustration we have toward this! 

links to posted complaints : 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: Mortgage

SLS refuse to help They just want my home Today I was on the phone with SLS for 2 hour SLS customer service was sleepy didnt know anything about SLS Keep putting us on hold to he research Didnt know about loan processing we had to drag the word out of her mouth Its a shame I am a military parent Have a XXXX husband And there is no help And government allow this crocks thief to continue ripoff people Fraudulently take peoples hom They refuse to stop the XX/XX/21 Forecllousuer Refuse to do anything Just send me off goose chase So XXXX XXXX sell my home SLS allorney put a note on my account not to help
Product: Credit reporting or other personal consumer reports

To my surprise, there were errors in my credit report when I checked it today, and I have no clue why. I always monitor my credit report, but suddenly these inaccuracies appeared. I tried refreshing the page, thinking it was a technical issue, but they didnt go away. Given this, Im asking for a thorough review of the documents I sent, so I wont have to worry about this again.
Product: Vehicle loan or lease

My name XXXX XXXX XXXX my phone number is XXXX my wife purchased a new car and I consigned on loan and she past away after 30 years of marriage I tried to get Nissan to  renegotiate the loan and they said they don't do that and I tried to get loan to reduce payments but could not get qualified for amount owed so I gave car back to Nissan and they auctioned the car of for so cheep the car was worth way more then what they sold car for and now are holding me liable for balance I don't think this is fair because she died and I couldn't afford car on my own the car was new only had XXXX miles on it was barely one year old and over 1,000 a month with insurance with XXXX owed on it I could only qualify for XXXX on my own with her passing away they sold car for only XXXX and now want hold me responsible for XXXX on remaining balance this has been the worst thing in my life going through her death and then to have my credit score destroyed by Nissan because of the laws there should be other laws to protect people like me from this it's not like she was still alive and defaulted on loan and I have such a hardship on my own this is just not fair and some laws need to change to stop this from happening to people like me not fair can you help me they should took car on there lot and resold for more then that this is not like normal people default this is a hardship and if they would of reduced price to XXXX they would got more money for car I wonder if they didn't action car to them self and resale car for more on there lot who to say but who sales a car like that that cheep no one you can't buy no car like that for that price no were laws should be changed to stop thing like this from happening to people who have a death it's destroyed my life and these kinda practices are not fair to a widower or a widows and should be changed this is a hardship and now they want to destroy my credit for 7 years it Has been a fight for my life after this happening and I am so exhausted from being attacked by everyone and just seem like it just get worse her death has destroyed my life and my credit to the point its affected my living making things impossible for me can you help me please Thanks XXXX XXXX
Product: Mortgage

The CFPB has also gone after the financial institution for wrongful practices with mortgages. That includes customers who were charged fees when they shouldnt have been or loan holders that were unfairly turned down when they requested modifications to their loan to avoid foreclosure. 

Wells Fargo Bank did not modify my loan and had my home foreclosed and I had to file XXXX XXXXXXXX bankruptcy. 
XXXX XXXX : XXXX Loan Balance in XX/XX/2012 about XXXX
Product: Vehicle loan or lease

Interest charges were to be 6.57 %. They charged more interest than stated. When I called and asked them, they did not have an explanation.
Product: Money transfer, virtual currency, or money service

Bank of america has been my bank primary for 5 years almost. They decided to " no longer do business '' after I deposited {$3900.00} in check form. The check was deposited a few days prior to the account closing XX/XX/XXXX for a total of {$4000.00} or so. 

The person I spoke to, spoke too quickly. 
I asked politely to speak slow so could understand. The phone was muted for about 2 minutes, then the person came back and said " goodbye, thank you for choosing bank of america customer service. '' As I was trying to understand the process they failed to explain. 

I haven't heard a single thing about where my cashiers check is or where it is going. 
I did not get any notification via email or text where it is/going. 

They informed me XX/XX/XXXX that the close date was XX/XX/XXXX officially. 

I could not speak to a person about the address they had on file. I'm not sure where the money is. I need to find out where I need to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my credit report and these unverified accounts still reflects negatively in my credit report. I've asked each one of them along with the credit bureaus to please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature and me authorizing an inquiry. In the absence of any such documentation bearing my signature. and I formally request to remove these unverified negative accounts and all non-account holding inquiries over 30 days old in my credit file. Please note that Ive given them plenty of time to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Money transfer, virtual currency, or money service

Dear CFPB representative : I was working with an acquaintance on XX/XX/year> regarding the sale of an item on XXXX. I sent a deposit to the acquaintance to hold the item, and almost immediately after found out this person had been hacked and someone was impersonating him. The payment was sent via PayPal. I confirmed the scam after I attempted a 2nd time to send funds to this person when PayPal had it flagged as a scam. I immediately phoned Paypal and I asked them to cancel the transaction but they refused since it was listed as a friends and family payment. I asked them if they were aware they were supporting fraud and stated it was not their issue, I should try to sue the person for impersonating someone else. I believe all calls are recorded so this can be confirmed. I also filed a formal complaint on their site to have the transaction reversed and they refused, even though Paypal had not yet sent the funds and was aware the payment was part of a fraud scheme.

Since Paypal refused to help, I reached out to my bank, XXXX XXXX XXXX, who sent a stop payment and stopped the funds from being removed from my account that same date, XX/XX/year>. I thought the situation was resolved until weeks later when I received a notice from a debt collector representing PayPal stating I owed Paypal {$900.00} for the amount of the transaction I stopped the payment for. I had no idea Paypal had continued to fund the transaction. I did not have a balance in my PayPal and after the scam I removed by bank account information from my Paypal account to stop any further fraud. I have not been in my Paypal account since that date and would never again use Paypal for any reason due to the poor customer service and fact that this company knowingly supports fraudsters. 

I am filing this complaint to have my issue on record as I saw in the news that a similar issue had been identified with XXXX supporting fraudulent transactions, and I felt that my case with Paypal was very similar. It is not right that financial institutions knowingly allow fraud to take place. 

I am now being hounded by a debt collector, XXXX XXXX XXXX, XXXX, to repay Paypal for a fraud scam. It is not right at all that I should be responsible to pay this. I did the proactive and responsible thing by contacting XXXX to stop the payment, which they did. XXXX saved me from being out this large amount of money and if Paypal continued to send the funds, that should not be my responsibility. I am hoping this will not affect my credit. 

Thank you for your time and attention to this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been asking numerous of times for documents on this account but for some reason have not received it. But credit bureaus come back as being verified how is that? How did it get verified? I have the rights to have it verified with me also
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries show up on my credit report that do not belong to me. I have tried to get these inquiries removed from my file but this agency refuses to do so and has failed to show me that they have verified these inquiries to be long to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a medical bill by my daughter 's XXXX  of {$68.00} dollars that was sold to XXXX XXXX XXXX. Neither party would settle the collection with me directly and they made no previous attempts to contact me by phone or any way I recall to settle before it hit my credit in time. I didn't recall the debt. When I attempted to settle the debt with the credit agency they stated that it would remain on my credit for years to come as a debt owed that was adverse and paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative Accounts and Inquires on my credit report that I have no knowledge of. I have attached a few PDF files
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX FIN # XXXX Account Name : XXXX AUTO # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the amounts of XXXX Tu/ XXXX TU/ and XXXX from XXXX and three amounts of XXXX. I requested XXXX agencies to Validate this debt as I have no clue what these amounts are for. I sent letters to all involved - not one response XXXX XXXX I sent letters twice both came back undeliverable.This is how I know validation was n't done If so you would have provided proof of this debt.I am being hurt financially and mentally because of your inaccurate reporting.