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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$3600.00} XXXX XXXX Balance : {$760.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX  XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Experian about a account showing on my credit report which do n't belong to me called XXXX XXXX. I asked them both to provide documents proving the account belongs to me on several occasions and they did not.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX XXXX XXXX compliance since, per XXXX XXXX XXXX  Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under XXXX Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop i

n my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  AKA XXXX..partial account number XXXX ) is a medical collection that does not belong to me. This is a medical procedure for a family member where I did NOT sign a financial responsibility agreement. The provider and collection agency placed it on my file in error. I disputed this with the credit bureau and they left it on my file.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I viewed my consumer report and sadly saw a collection account and several unauthorized inquires. My rights are being violated pursuant to 15 USC 1681b ( c ). These unauthorized accounts are causing my consumer file to be inaccurate. i know the consumer reporting agencies need to report a consumer credit file accurately, by law. Please investigate these following accounts and delete them from my file immediately, until then I demand a cease and desist of communication from these companies and me including reporting any negative data on my consumer report : XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachment for supportive documents to my claim.
Product: Credit reporting or other personal consumer reports

Case was dismissed in courts I have proof due to natural disasters XXXX the apartments tried to evict me twice and I paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove this from my report it has been more than 30 days an XXXX and XXXX had 30 days to respond and they have not responded please have them remove this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on two bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on XXXX different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the XXXX XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. 
I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. 
I did filed a mandamus petition in XXXX XXXX ga courts for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know chime open XX/XX/XXXX. The same month chime open and I taken my conviction in XXXX XXXX XXXX not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX MI trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX Ga I been having a hard time opening cd accounts brokerage trade account and etcs
Product: Credit reporting or other personal consumer reports

In late XX/XX/year>, I submitted identity theft FTC report along with my identification front and back bank statement and FTC XXXX letter to XXXX XXXX and Equifax pertaining to account on my credit report with both agencies from XXXX that has late payments that do not belong to me. This has caused my credit score to plummet over XXXX points. I have asked that This be removed from both reports Equifax and XXXX XXXX. They have not done so this is incorrect information being reported I reached out to XXXX. They said they do not have an account in their system that says I had a {$92.00} balance and late payments. This seems to be just a big misunderstanding.
Product: Credit card or prepaid card

I have submitted two complaints about Chase and they are refusing to correct the erroneous information reported to the credit bureaus. Instead of correcting the erroneous information, they have now asked me to call the credit bureaus to " record my explanation '' for their erroneous report. Chase closed my credit card for no reason, did not process my payments, and added fake charges to my account ... then reported me to the credit bureau for late payments which would not have been late if they did their job. During this time, Chase reported late payment to the credit bureaus. In an attempt to resolve this matter, Chase agreed to remove the false late payment reported to the credit bureaus ( from XX/XX/2019 to XX/XX/2019 ), but they have since tried to make it my responsibility to correct their erroneous reports by directing me to the credit bureaus to cover up their bad business practices. These late payments supposedly happened during the time when my card was closed and Chase was reporting erroneous balances to the credit bureaus.
Product: Checking or savings account

I had a checking account with Wells Fargo in their XXXX XXXX XXXX XXXX. The account was in good standing with no fees or dues over the last XXXX + years. Imagine my shock when I logged in to my account online to suddenly find that the account was closed. No reason was stated at all. I called their customer service and spent more than 30 minutes being tossed around between 3 different people, all of whom were clueless and unhelpful. Finally, I was told that the account was apparently closed because of a seeming lack of customer initiated transactions. They were unwilling to put this in writing anywhere. So, I don't think this is the actual reason. I have at least XXXX or more transactions every month including an automatic credit and an automatic payment. If they are not initiated by me ; who else did? Also, this requirement about ; customer initiated transactions ' was totally new to me. I was never told about this when I opened the account or subsequently ever. 

I am completely and utterly dissatisfied with Wells Fargo 's response. Basically, they are now saying that they have the right to close the account at any time for any reason or for no reason even. Well, I don't agree with this fundamentally. But also, this was not something that they told me at the time of opening the account or at any time since. I explicitly asked their representative at the time of opening the account if there were any conditions and this was definitely not mentioned at that time. If this was told to me then, I would not have opened the account with them at all. Also, the bank 's definition of what they call 'customer-initiated ' transactions is completely nonsense. They claim that any automatic transactions, whether debits or credits, initiated by me are not customer-initiated. Under whose definition. If I did not initiate these transactions, who did? Does CFPB agree with this definition? Is it legal? Under what law? Also, because of Well 's Fargo 's actions in closing the account suddenly, my automatic credit went missing and I received that only after 2 weeks delay causing me inconvenience and loss of funds. I want Wells Fargo to compensate me for that. If I had made a late payment to Wells fargo, they would have charged me outrageous rates of penalty and interest and fees. Well, now they need to compensate for delays caused due to their unjustified actions. Also, Wells ' Fargo 's representatives are thoroughly lacking in any norms of customer service or even basic understanding. I have had to spend many hours over email and phone with absolutely no use. I want Wells Fargo to issue a formal apology and compensate me of the hardship caused. I do not treat this issue as closed and want CFB to take stringent action against Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit reports I noticed that I have two accounts with Transfinancial Companies on my credit reports in the amounts of {$1100.00} and {$1200.00} reporting. I have disputed this information on several different occasions asking for validation of this debt as I think that there is an error in the companies reporting these debts. The company has failed to provide any validation of these debts under the FCRA regulations. I would like these accounts to be removed promptly as it is impacting my credit worthiness.
Product: Mortgage

Purchased my home in XXXX with XXXX down and lender/ bank financing of XXXX XXXX and XXXX XXXX. Not sure why on the XXXX as it was all Close of escrow handed to seller funds so my family could get keys and move in. Nobody went to college bought a boat with this HELOC as they call it or zombie loan is what Im hearing called now. In XXXX due to separation ( XXXX left home so do her income ) I fell behind on payments and after failed attempts to work with my lender saw Obama on TV who mentioned making home affordable and I sent the same SSDI income to HUD and HUD saved my home from trustee sale and I remain current on XXXX MAKING XXXX XXXX XXXX refinance 13 years later to this day. All of a sudden Im in ore foreclosure relaxing HUD didnt icue this loan? And the new servicer, XXXX XXXX servicing filed a notice of default XXXX XXXX which last 90 days till XX/XX/XXXX when they will announce sale date and foreclose and sell My Home at auction. 
specialized loan servicing it was convicted in XXXX by the government for violating RESPA regulation X wrongful filing and flow closure. Their NOD notice of compliance states my home is non-owner occupied? Ive been here every day and night as have my sons since XX/XX/XXXX my purchase date. XXXX received a XXXX offer from them today XX/XX/XXXX from demanding {$20000.00} by XX/XX/XXXX or theyre gon na sell my 17 year family home. Im current on my making home affordable refinance of XXXX, please help save our family home!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed 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 XXXXXX/XX/XXXX
Product: Debt collection

Southwest Recovery started calling my cell phone in approximately XXXX 2012. The first message said, " We have your social security number on our desk, it will be turned over to our attorney unless you call back before XXXX today! '' I called and they said the debt was for another person, it was n't my debt. Further, I found it was my husband 's ex-wife 's attorney bill. Her name is on the account. I received more calls & would select the option for " do not call, I am not the correct person. '' I even got a call after midnight. I have a screenshot of the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX XXXX credit score and my XXXX is showing 6 hard pulls that I do not recognize.XXXX XXXX XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted XXXX and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of the following hard inquires and I'm asking that they be removed : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX and I am being prohibited from disputing duplicate charges on my Paypal account. I have called in to the dispute department and Paypal consistently remarks that they are unable to verify my account after freezing my account for 24 hours and unfreezing it after I was asked to provide my passport, my social security card, and proof of my utility bill with my US address on it. I completed all these steps and have not since been able to dispute the duplicate charges on my account. Everytime I call in I am told I cant be verified after giving Paypal all my private documents. 

This is extremely frustrating as I have given Paypal extremely confidential information pertaining to my identity and the dispute department continue to treat me in a discriminatory manner and prohibiting my rights which I am entitled to under your terms of use policy which is the right to call in and dispute charges that I deemed are inaccurate. 

I need help with getting whatever block on my account removed in the dispute department so I can talk to someone about handling these matters as I have already reached out to the merchant to no avail. Paypal can not continue to tell me my account can not be verified when I call in to the dispute department when they have hold of all my confidential personal documents on file and I have the email to prove such submission and for goodness sake its these very same documents they used to unfreeze my account which is making no sense. 

I need a phone call from Paypal at XXXX as soon as possible to get this matter resolved. 

PAYPAL CAN NOT KEEP DISCRIMINATING AGAINST MY ACCOUNT JUST BECAUSE IM TRAVELING I INFORMED PAYPAL BEFORE I STARTED TRAVELLING ABOUT MY TRAVELS AND THEY CAN NOT KEEP DISCRIMINATING AGINST ME BECAUSE I WILL NOT ADOPT YOUR ACCOUNT CRITERION WHICH I HAVE THE RIGHT TO CHOOSE OTHERWISE. 

I HAVE THE RIGHT TO DISPUTE ANY TRANSACTION ON MY ACCOUNT AND PAYPAL DISPUTE DEPARTMENT IS NOT MAKING THIS POSSIBLE FOR ME TO DO AND PROHIBITING MY RIGHTS TO DO SUCH BY PRETENDING THEY CAN NOT VERIFY MY ACCOUNT THAT I HAVE SUBMITTED ALL MY CONFIDENTIALS TO AND PAYPAL NOW HAVE ON FILE. 

THIS MAKES MY 9TH EMAIL TO PAYPAL I HAVE WENT ALL THE WAY UP THE CHAIN REGARDING THIS MATTER AND I DO NOT PLAN TO STOP UNTIL THINGS ARE FAIRLY AND RIGHTLY DONE. 

Thanks, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I started to invest in the website XXXX. I wire money into the account XXXX time of {$1300.00} on XX/XX/21 from XXXX XXXX, {$25000.00} on XX/XX/21 from Chase, {$7000.00} on XX/XX/21 from Chase, {$70000.00} on XX/XX/21 from Chase, & {$47000.00} on XX/XX/21 from Chase respectively. It's a cryptocurrency betting website, that there is a trend that you have to watch. If it goes up and you bet it foes up, then you win, if you bet down and it goes down, then you win too, but if you bet up when it went down, then you loose it all. I am positive $ XXXX in the online currency called XXXX XXXX XXXX that I even took out personal loans for it. {$1.00} = XXXX. Now just last week, I tried to withdraw my funds because I want to pay my loans off, I messaged them everyday since XX/XX/21 to XX/XX/21. They have stopped responding to me after notifying me on XX/XX/21 that the request for my funds have been approved. The first XXXX wire of XXXX, XXXX $ XXXX was send to The XXXX and XXXX Banking XXXX XXXX XXXX XXXX Receiver 's name : XXXX XXXX XXXX Account # XXXX The last XXXX wire of XXXX and XXXX was send to the same bank with the same swift code with Receiver being XXXX XXXX XXXX Account # XXXX. As soon as I realized that I was not getting any response from services at XXXX, I contacted Chase right away as that's where most of the wiring occurred. I was bounced around to different department and was told that none of them handles wire transfers done with the account holder 's knowledge. They can file claims for wire done with the account holder being unaware ... however, they did not have a fraudulent department that handles wires done internationally for their clients when they've been a victim of fraud. I am so lost and my hands are so tied that I don't know what to do. I took personal loans out for this and now, I'm afraid that I won't be able to pay back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score. 

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me. 

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

Sincerely, 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 TransUnion 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 TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXXXX