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

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX  Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax Credit Bureau last XXXX XXXX XXXX to update this suspicious information. I think you have not validated these accounts 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 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Unable to login to my account.  Seems like it is permanently locked out and does not recognize my device ( computer ).  Worked fine yesterday.  Will not recognize username and password.  Wasted day with them with passcodes and emails I can not access when on their web page form.  Just locks out the account for access.   Calls get nowhere since you can not get IT to intervene and send a one time password to log in with and then change after logging in.  Had same password and user name since taking out the card with XXXX XXXX.  This TD bank card is no longer connected to my XXXX XXXX account either.  XXXX says have to log in with TD Bank now.  How??? Does not work.  Phone gives no passcode, email will not go back to form to insert passcode.  I want to get on this site to pay my bill and cancel it after I take my rewards cash back out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the major 3 credit bureaus about these accounts. These letters were sent on XX/XX/XXXX. 
The information provided stated that the following accounts, hard inquiries, and collections have no authority on my account, as I authorized none of these inquiries. I requested that they be immediately removed as I have no knowledge of these accounts. 
Accounts XXXX XXXX XXXX XXXX - {$380.00} The XXXX XXXX XXXX  - {$0.00} BXXXX XXXX XXXX - {$1300.00} Collection XXXX XXXX XXXX. - {$430.00} Hard Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TXXXX Total XX/XX/XXXX CXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to bring to your attention the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have unfortunately fallen victim to identity theft and have acted immediately by reporting this incident. 

It is of utmost importance to address this matter promptly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a comprehensive investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE RUIN PEOPLE 'S LIVES AND THAT'S WHEN XXXX XXXX XXXX XXXX COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
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/2021. And now we are in the month of XX/XX/2021 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 THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of online fraud. My checking checking account was compromised for two fraudulent charges, adding up to nearly {$3000.00}. I had about {$800.00} in my checking account at the time. Since I had overdraft protection with a credit card also issued by Wells Fargo, I was charged {$2000.00} to recover the deficit from my checking account while my checking account was overdraft due to the fraud. 

My checking account was immediately closed. When I called to resolve the situation with Wells Fargo customer service, they proclaimed they would not reimburse me for the money in my checking account. Also, they told me since my credit card did not have fraudulent activity, they would not count it as fraud, and I would need to pay back the money to Wells Fargo. I have not received any support and luck trying to sort things out with Wells Fargo. 
I continuously called to address the charges on my credit card. I spoke to many people, including supervisors, regarding the money I lost in my checking account and the charges on my credit card. 
Now, I am coerced to pay back the balance, and they will not reimburse the money taken from the checking account. 
As a result, my credit card has been accumulating interest and late fees because I havent paid this account, and I dont feel like I have to pay for it since I was a victim of fraud. They have ruined my credit and will not empathize with me. I do not have a lot of money, so I can not hire a lawyer, and even if I did, I can not compete with Wells Fargos attorneys. I feel helpless, and I am reaching out in hopes of getting justice and resolving this issue.
Product: Debt collection

We have an important message from debt Recovery Solutions. This call is from a debt collector. Please call XXXX XXXX. That number again is XXXX  XXXX. Thank you. 

Date XXXX at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that have appeared on my credit report, which I believe to be fraudulent. Below are the details of the accounts in question : XXXX XXXX Account Number : XXXX Status : Late payments reported to all three credit bureaus. 

XXXX Account Number : XXXX Status : XXXX XXXX  reported to XXXX. 

XXXX  Account Number : XXXX Status : XXXX reported to TransUnion and XXXX. 

XXXX XXXX  Account Number : XXXX Status : XXXX  reported to TransUnion and XXXX. 

XXXX XXXX Account Number : XXXX Status : XXXX  reported to TransUnion and XXXX. 

XXXX XXXX XXXX Account Number : XXXX Status : XXXX  reported to TransUnion only. 

I believe these accounts are fraudulent, as I have not authorized any transactions or agreements related to them. I request an investigation into these accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting or other personal consumer reports

I have not received any reports or notices. Accounts were not verified and removed from my account.
Product: Checking or savings account

My PayPal account associated with my email XXXX '' was limited on XX/XX/2021. At the time the account was frozen there was {$830.00} in the account. I was told repeatedly by PayPal that the money would be held for 180 days and as long as I did not have any chargebacks or cases opened against me, it would be refunded. PayPal even admitted on XX/XX/2021 in response to a case that I opened against them through the XXXX  XXXX  XXXX  ( screenshot attached ) that The money belongs to you and that its being held in reserve to cover and disputes or reversals that may be filed against you. However, contrary to their repeated verbal and written promises, when the waiting period passed and I did not have any of these types of claims filed against me, they still kept my funds for damages they had incurred. ( screenshot attached ) It is my argument that PayPal did not suffer any monetary damages as a result of my use of this account and have no valid claim to this money. 

Furthermore, PayPal currently has suspended and put the same hold on another PayPal account that I have under the email XXXX in the amount of {$2700.00}. They told me the same, that my money would be released after 180 days and I am concerned that they again, will not keep to their verbal and written promises. 

This money is rightfully mine as PayPal stated. No claims are or have been opened against me by any other person or business that I did business with via PayPal. I am asking that the CFPB to help me in forcing PayPal to release my money from both accounts in the amounts of {$830.00} and {$2700.00}, for a total of {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was made aware that a company called avante reported a balance of XXXX  dollars to my collections account. This account is not mine, I was never sent any bills informing me that I owed this company a balance, thus not giving me an opportunity to pay it. However, this account is not mine. If, by any chance, this bill is mine, Avante reported this balance to my account never ever having sent me a single bill, thus deprived me of the opportunity to pay it and went directly to report this balance as a collection.
Product: Debt collection

It was back around XXXX when the account was open. I was approved for {$1000.00}. I called the company told them i needed to work something out there was a XXXX i was involed in XXXX XXXX XXXX and they proceeded to do nothing about this but XXXX me after i told them i was XXXX and have documented XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX all are treating XXXX hard inquiries as XXXX hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, 2016 and XXXX XXXX, 2016 for XXXX and XXXX XXXX, 2016 for XXXX. These are supposed to be treated as one inquiry.
Product: Student loan

After the transition to MOHELA in XXXX, my payments have not been processed in a timely fashion. I continue to have money pulled from my account, but it is not applied to my loans for months afterwards XXXX {$300.00} auto pulled from my bank account. Did not apply to loan. 
XXXX I received a past due email XXXX I paid minimum payment of {$170.00}, thinking that auto pay had gotten mixed up during the transition. I set up auto pay again and got an email that I was enrolled in auto pay. 
XXXX {$300.00} auto pulled from my bank account. Did not apply to loan. 
XXXX I received an email that auto pay was scheduled for XX/XX/XXXX. 
XXXX {$300.00} auto pulled from my bank account. Did not apply to loan. 
XXXX I received a past due email and paid {$350.00} to make sure that my account was paid up. 
XXXX I called MOHELA. The man I spoke to could see that they had been pulling from my bank account, but not applying the payments to my loan. He put in a ticket but said that it should be fixed before the XXXX payment. 
Week of XXXX The XX/XX/XXXX payment posts to my loan and is backdated. 
XXXX {$300.00} auto pulled from my bank account. Did not apply to loan. 
XXXX Spent three hours on hold with MOHELA XXXX The woman I spoke to was very unhelpful. She did not see that they had pulled money from my account. She asked that I upload a bank statement to their system to prove it. I asked how I should know when I actually need to make a payment if their system is running nearly two months behind. I asked for something in writing to ensure that I would not need to pay any fees or additional interest. She refused to provide that. I asked if I could record her saying that there would be no additional interest, and she ended the call. 

Currently, MOHELA has {$600.00} of my money and can't tell me if or when it will be applied to my loan.
Product: Checking or savings account

Wells Fargo Bank, purchased another lender, and Wells Fargo 's, opened " an unauthorized loan account " under the name of the lender that Wells Fargo had purchased. That is one reason Wells Fargo will not provide any copy of a loan agreement with my name on it..
Product: Checking or savings account

I rented a car from XXXX on XX/XX/2018. On Friday XX/XX/XXXX I called XXXX Local Branch XXXX and verbally told them not to authorize payment on card XXXX. On XX/XX/2018 I cancelled the debit card ending with XXXX. On XX/XX/2018 There was a forced debit. over 1200 of unexplained charges. 

XXXX had verbal authorization not to use my bank account. Called Car Return and Notified Manager. Forced hard debit over 1200 on my closed debit card. That transaction was not authorized.
Product: Mortgage

trying to force into escrow account, raising payment not agreed upon, not applying funds to make it appear as in default, trying to justify reason for loan manipulation
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Best Buy account and a XXXX XXXX account opened under my name that is not mine! I am a victim of identity theft! This is fraud! This same fraudster tried to file a fraudulent tax return under my social security number within the same year! 

BEST BUY/ CBNA Opened : XX/XX/2017 Amount : XXXX XXXX XXXX Bank Opened : XX/XX/2017 Amount : XXXX
Product: Credit reporting

If you will see in the attached files, Equifax still shows my name - " defendant-XXXX ''. Court has corrected the judgement that reflects my name, XXXX XXXX, due to erroneous legal basis. Judge XXXX XXXX of XXXX XXXX XXXX has ordered my name to be deleted from the judgement. We explained this to Equifax and forwarded the documents to them several times but they have not cleared my name. We had our lawyer contact them to fix this error, until now they have not fixed this error.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to identity theft. Following a recent data breach, I discovered unauthorized accounts on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of these accounts. 
The accounts that are fraudulent and should be removed are as follows : XXXX. Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Creditor : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00} In addition, I request the removal of the following unauthorized inquiries 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
Product: Debt collection

On XX/XX/2020, I helped my son use his XXXX XXXX gift card to purchase a guitar online. 
The item was paid for, in full, with the gift card. 
Since I was not the individual who gave my son the card, and was therefore unsure of exactly how much money was on the card, I called XXXX XXXX directly after purchase, ( XX/XX/2020, at approximately XXXX XXXX  EST ) to clarify the amount available on the gift card & to make sure the purchase had gone through. I was told the gift card transaction was viable, and that the item would be shipped in 2 days. Please refer to voice recording of this call. 
I received an email on XX/XX/XXXX signifying my order was ready for pick-up at the store. 
I went into the store located at XXXX XXXX XXXX XXXX, XXXX SC, and picked up the order. The clerk told me the receipt for the order was in the box, that it was fully paid for. There was no receipt. 
On XX/XX/XXXX, I was contacted by XXXX XXXX resolution center, indicating there was a discrepancy in the collection of the guitar balance- that I owed the {$540.00} paid in full by the gift card. 
I worked for weeks trying to resolve this issue with XXXX XXXX, to no avail. 
I sent copies of : -online receipt -pick-up confirmation -order details, all documentation indicating the order had been paid in full. XXXX XXXX sent me a blank invoice statement, without my name or order number, as proof that the money had yet to be collected. XXXX XXXX representatives gave me the name and number of their Point of Sale provider, who I also tried to contact in an attempt to resolve the problem. I was only told there was a remaining balance left on the card. 
XXXX, XXXX I am turned over to a Collections Agency . I call and communicate with the CA in a transparent, goodwill attempt to finally resolve issue.

Collections Agency continues to pursue " debt '' though I have incurred NO DEBT and have sent the agency receipts and dispute letter. I am filing this complaint in an effort to safeguard my credit report and score. The agency should not continue to try and erroneously collect money from me.
Product: Payday loan

On Sunday XXXX XXXX, 2016 I was called by Cash Central in XXXX, Utah, a company I 've never heard of. The caller, a woman named XXXX, said that she was following up on an lending inquiry I had made online. I repeatedly told her that I never made any inquiry and I repeatedly asked how and where she got my name and number. She would not answer. I asked for a supervisor and was connected with a woman named XXXX. I told her that I had never contacted or even heard of Cash Central ever in my life and I demanded to know where and how they got my information. She would not tell me. The next day, Monday XXXX XXXX, 2016, I received an alert from my credit monitoring company XXXX XXXX, informing me that XXXX credit reports were taken out on me today : XXXX from Cash Central and XXXX from XXXX XXXX XXXX. I have not applied for any service from either of these companies ever and I want to know who is doing so in my name. I have filed a XXXX XXXX XXXX with XXXX on Monday, XXXX XXXX, 2016.
Product: Credit card

I have XXXX discover credit cards and their online system by their own admission has trouble recognizing and identifying each separate account. as a result. I am often confused about how to pay my bill and regularly get {$XXXX} late fees on top of over XXXX  % interest. 
Which turns into predatory lending practices. I am trying to pay this credit card off and am starting to feel trapped in their vicious cycle of extremely high fees and high interest.
Product: Credit card

XXXX XXXX ( parent company XXXX ) and Wells Fargo partner on a co-branded XXXX XXXX XXXX and run separate websites, both of which have the ability to make autopay settings for credit card payments. I had setup my autopay on XXXX to make payment from a savings account that tends to hold higher cash balances. I did not know that Wells Fargo has a separate website and account on which you can also make autopay settings, and these settings apparently override the autopay settings on XXXX 

On XX/XX/2024, a payment of {$8800.00} was attempted from a different checking account which is only linked to my Wells Fargo account on their website, but not on XXXX XXXX website. As this is a checking account with lower cash balance, I had insufficient funds and the payment was blocked on XX/XX/2024. On the same day, I was hit with a {$180.00} interest charge because of the reversed payment, which was caused by XXXX and Wells Fargo systems ' inability to communicate with each other. 

I manually made payment to Wells Fargo out of a savings account which then successfully cleared my balance on XX/XX/2024. I called Wells Fargo to ask for help reversing this error given the issue with their/XXXX XXXX  systems, but they refuse to reverse the interest charge that was caused by their systems ' miscommunication.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XXXX I received a robocall from a debt collector to my cell phone that does not identify me but a message was left with my name and that they were trying to collect a debt I called the company and told them to stop using robocalls to collect as this was a violation of my rights. Today XXXX this same company called my wifes phone which also does not have any identifying information with a robocall saying they are a debt collector and revealing my name and they are trying to collect a debt which they have already been asked not to use a robocall and they revealed info to someone not involved