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

All three Credit Bureaus XXXX, XXXX, and Experian, and their Furnishers have illegally, and unlawfully put unconfirmed debt on my credit report. I have 2 Medical debts on the report from XXXX XXXX XXXX and I've never entered into any contract promising them Payment. Collection companies on my report such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX can not Provide any proof of my signature or contract with me agreeing to pay a debt. Furthermore, XXXX XXXX XXXX in XXXX, Michigan have Accepted a cash down-payment in an All consumer Credit Transaction which is illegal according Title 15 U.S. Code 1605. XXXX XXXX never offered me Car insurance to be added to the sum of all charges. I paid a third party insurance independent of the loan with them. I also payed for other taxes and fees which were not included in the price of the loan. I demand that All old addresses be removed from all agencies and Furnishers platforms aswell. I demand that court and traffic items be removed from the report aswell because they're hindering employment opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C ( The following collection accounts and inquiries were reported on my credit profile accounts under the following three credit bureaus ( XXXX, Equifax, XXXX ) XXXX Credit Bureau : 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 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
Product: Credit reporting or other personal consumer reports

There is an account ending in XXXX showing on my credit report as a charge off/sold meaning this debt has been written off, unfortunately you have not provided a 1009-c form. As per IRS you are in violation of federal law and this will be reported following with legal action if not removed from all 3 credit reporting agencies for inaccurate reporting
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience using Experian, where they have neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. 
I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/2022 around XXXX I tried to make a {$200.00} payment with XXXX XXXX bank Wells Fargo blocked the the transaction. 

I had to pay a person not a business. So, I paid the person cash. I drove home it took me about 4 hours. I called Wells Fargo at approximately XXXX and told them that the transaction was authorized by me but that had already paid the person. 

The following day I noticed a {$200.00} payment to the person I had already paid. 

I went through XXXX XXXX and Wells Fargo procedures to get the matter fixed. Wells Fargo refused to give me my money back. It's their fault they didn't need to block my card and when I told them they sent the payment anyway. 

After I asked them why they sent the payment they said it was on me find the person I paid to get my money back. How come they didn't say this when I told them not send the payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX XXXX, Equifax and XXXX credit report and the following account and credit inquiries are not my account or credit inquiries : XXXX XXXX XXXX XXXXXX/XX/2019, {$37000.00}, the following credit inquiries are not my credit inquiries : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019, XXXX XXXX XXXX, XX/XX/2019 and XXXX XX/XX/3019
Product: Money transfer, virtual currency, or money service

They didnt secure my account and they let other companies charge my card without knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXXXXXX. All 3 are  reporting a balance owed over XXXX. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXXXXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.
Product: Debt collection

My BOA card was stolen by unknown people. I already call XXXX XXXX and told them. 
They also steal my passport which have my personal information. 

But I cam keep getting unknown message. I report stolen card and replace to new one. 
Here is the message : XXXX XXXX for tg or aor, t https : XXXX f o ddt ak tho XXXX. -- XXXX XXXX XXXX XXXX XXXX *URGENT MESSAGE* Your card was placed on hold due to suspicious activity to reactivate XXXX Debit Card please visit https : XXXX -- XXXX XXXX XXXX XXXX XXXX This two meessage came to me.
Product: Student loan

My federal student loans were transferred from Great Lakes to Nelnet in 2023. On XX/XX/2023, Great Lakes informed me that the balance that would be transferred would total {$78000.00}. When I checked the Nelnet balance in XX/XX/2023, the total under the account was {$78000.00} which is different from the balance that I was told in XXXX.
Product: Debt collection

On or about XX/XX/year>, without my authorization, XXXX  XXXX XXXX dispersed {$5900.00} from my account number XXXX  to Bill.com ( formerly divvy aka " bill '' ) and since that date has wrongfully refused to make set amount available to me. XXXX  XXXX XXXX dispersed these funds to a company called bill. This company claims I applied for a loan with them on behalf of my business. I did not apply for a loan with bill. I have been a victim of identity theft. Bill did not check ID for the applicant and XXXX  XXXX XXXX did not conduct an investigation. XXXX  XXXX XXXX and bill are simply agreeing with one another without conducting an investigation. Bill has provided some of the original application. Bill has refused to provide statements. Bill has refused to provide written proof of all communication with the identity thief to include emails and texts, as requested. 
I had never heard of bill ( Bill.com formerly XXXX ) until XXXX  XXXX XXXX dispersed funds to them without my knowledge. Bill is now stating I owe them {$11000.00} more and that they will settle with me by retaining the {$5900.00} and waiving the {$110000.00} provided I do not speak of their company ever again on any platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a person with a similar name to mine who I have had issues with in the past 10 years a few times. The person with the sae name has opened multiple accounts under the same name but the credit bureaus are mixing up files and putting the accounts that belong to him on my report instead of his. The account im referring to is a vehicle loan for over {$32000.00} that does not belong to me. I have reached out to the company directly to try and resolve the issue but it seems they cant give me any information because i dont have the exact info as the identity XXXX. 



I would like this account immediately removed form my credit report. I am trying to purchase a home but they keep informaing me with that auto loan that is not mine I cant move forward. This is really stressful and its not right. Please help me resolve this issue as the credit bureau is not helping at all. I have attached copies of the police department as well.
Product: Payday loan, title loan, or personal loan

This company on XX/XX/XXXX placed me on a hardship repayment plan and took off my ACH and said that I do not have to pay XXXX payment. The management team did listen to the recordings and did confirm that this is correct but every month since then they report to the credit bureau that I am late. They had to send over two-three credit correction forms and every month they still report me late. There is a glitch in their software system that sends me to collections. NOBODY at this company can fix the problem. They send me to every department and no resolution. This company is not receptive to the customers ' needs or complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XX/XX/21 & XX/XX/21, XXXX XXXX  XX/XX/21, XXXX XXXX XX/XX/21, XXXX  XXXX XX/XX/21, XXXX XX/XX/21 & XX/XX/21, XXXX XX/XX/21, XXXX  XXXX  XX/XX/21 XXXX XX/XX/21, XXXX XX/XX/21 & XX/XX/21, XXXX  XXXX  XX/XX/21, XXXX XXXX  XX/XX/21 & XX/XX/21, XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21, I did not authorize anyone employed by these companies to make any inquiry and view my credit report.This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX pm received a call from XXXX at Discover card pushing card services. We have asked to be taken off the list, we have blocked the phone number, but they keep getting through.
Product: Checking or savings account

I cancelled an order with   XXXX   on Thursday. The Authorization hold was on. The money appears to have dropped back into my Account on Friday it was back to Normal. I Checked my account on Saturday and I was Overdrawn. The charge is still only PENDING! I know instead of it clearing I 'm getting fees. If it 's only PENDING how can I be overdrawn? I have reason to believe that they reordered the Charge to create this overdraft.
Product: Credit card

False advertising to get consumers to sign up for credit card. 
The Fidelity Visa card advertises that it gives you XXXX points for every dollar you spend and that you can claim it as gift card, statement credit, etc. However, if you want to actually use it as a statement credit, you wo n't get XXXX points for every dollar spent. I have the documentation if required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion report XXXX This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding PayPals Failure to Transfer Funds After 180 Days To Whom It May Concern, I am writing to file a formal complaint against XXXX regarding their refusal to transfer my funds after the XXXX hold period. Here are the details of the situation : XXXX. On XX/XX/XXXX, my XXXX account was limited, resulting in a hold on my funds. ( {$570.00} ) XXXX. On XX/XX/XXXX, I received an email from XXXX stating that my funds were now eligible for withdrawal. 
XXXX. Despite being eligible, I encountered an error message when attempting to withdraw my funds through various methods. 
XXXX. Upon contacting XXXX on XX/XX/XXXX, I was advised to transfer my funds to a different XXXX account. I complied with their instructions and provided the following documentation : A written authorization specifying the email address for the transfer. 
Proof of identity. 
Proof of address, despite the address not matching the country of the account creation. 
XXXX. Despite providing the requested information, XXXX has failed to transfer my funds. 
XXXX. Subsequent follow-ups with XXXX have XXXX in assurances of resolution within XXXX hours, yet the issue remains unresolved. 

I am deeply concerned and frustrated by XXXX lack of action in facilitating the transfer of my funds. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that XXXX fulfills its obligation to transfer my funds without further delay. 

I appreciate your attention to this matter and look forward to a swift resolution. 

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

These companies are reporting volatility in their credit reporting systems without thorough data! I am trying to avoid litigation in the near future because of this situation and it seems to be very difficult to wholly consensus with the company! So they 30 business days to remove all fraudulent claims and discharge them derogatory collection that are unlawful being used to creating misery in my life!
Product: Credit card

I found 2 charges totaling {$480.00} on XX/XX/year> for a hotel in XXXX through an online booking site called XXXX I immediately disputed this charge and requested a new credit card. These charges are absolutely not mine. I've never used that site and definitely didn't book a hotel those days. I can prove I was busy at work. BofA gave me credit for the charges and did their investigation. A month later they put the charges back on my card saying it was not fraud. All they showed was some documentation showing a check in at a hotel with no proof of ID showing, no signature and nothing else to show it was me. I immediately changed my passwords on everything I had and checked my credit report because someone obviously got my card info and address. I don't know if it was a website being hacked or what, but I know it is common and I've never even filed a fraud claim before so I don't know why they would keep insisting it was me. I've had this account for almost 8 years and consistently use it for everything and pay it off in full each month. I have filed 3 requests for review with bank of america and they continue to push that it was a legit charge
Product: Checking or savings account

I am a family member of a veteran who has passed away during world war 2 my grandfather. I am applying for navy federal credit Union because this seems to be the only bank I can put my savings into without any more worries. Unfortunately they permanently closed my account. They made sure I could not ever open one up. At first they approved me. Asked for payment. And I submitted my proof of identity. I also gave them my card information. They even mailed me my access number and suddenly permanently closed my account. I called and the workers are discriminating me. I also went to the branch and still no help. I honestly wanted to bank with them to have protection over my income.
Product: Debt collection

A rep from Bull City Financial called me almost 3 months ago and was supposed to send me the actual bills so I could look them over and either dispute the claim or set up a payment arrangement. She took a payment of {$110.00} over the phone from me and told me that once I get the bills call her back and she could file the dispute over the phone or the monthly payment amount of {$110.00} would be charged to my card each month on the XXXX of the month until the bill is paid in full but would not be reported to the credit bureau since I never was notified until she called. No monthly payments were charged to me, I never received any bills or itemized statements in the mail yet on my credit report a collection is showing from Bull City account XXXX for {$1800.00} which is the same amount the rep mentioned on the phone that day before taking my payment of {$110.00} I want this collection account removed from my credit report immediately and want the statement sent to me as promised so I can either dispute the amount or continue to pay on a payment arrangement like I was promised.
Product: Debt collection

I had XXXX XXXX service from XXXX until XX/XX/year>. I had begun service with them in XXXX, however, I constantly had problems with the internet. It would stop working constantly and it was never improved after much troubleshooting. On XXXX XXXX I requested a service call from XXXX through the XXXX app. I received a call from them at XXXX XXXX- I spoke with a representative for 12 minutes. During this call, I explained to the female representative that I had been having an extremely terrible experience with XXXX XXXX, and that I wanted to cancel my internet service with them, and have this service finish at the end of the following month, XX/XX/year>. She told me that she would cancel my service, effectively terminated on XX/XX/year>. Additionally, she told me that since I had been having such unsatisfactory experiences with my internet services that she would waive the contract cancellation fee. This call began with a recording that informed me the following conversation would be recorded, so this entire conversation should be on record. Well -then XXXX tried to charge me in XXXX for further service- I called them and explained what I had previously talked to a representative about, and they told me that they would not cancel my service and that I had an additional contract cancellation fee that would be charged to me. I spoke to this representative for over an hour and requested that he connect me with a manager -to which he told me there was no manager available and he had no idea when a manager would be available, and that it would be impossible to arrange a call back from a manager- essentially telling me to wait indefinitely on hold for a manager that he had no idea if one would ever be available, or basically hang up. This representative confirmed that he did have notes in the system from my call on XXXX but refused to provide the recording of the phone call, or acknowledge what that initial representative promised regarding waiving the cancellation fee due to poor service. Due to this terrible service from the second representative, lying and refusing to provide access to a manager to resolve the issue and honor what the initial representative had told me, I removed my payment information from their portal, and am in the process of disputing the final XXXX charge from them with my bank. They have reported me to a collections agency claiming that I still owe them the contract cancellation fee - this is absolutely unjust as a representative from their company confirmed with me on XX/XX/XXXX that this would be waived. This is discriminatory practices and needs to be dealt with - I was advised to put in this report based on this experience, please provide guidance for next steps to get the charges removed. XXXX has sent this false debt to Valor Intelligent Processing for collections.