23daVinci/CFPB_Complaints huggingface dataset:
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 inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

There was an unauthorized wire transfer from my account in the amount of $ XXXXI received {$9000.00} back but the other amount was denied.
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. Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX in Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX bank Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX 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 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 am not liable for this debt with XXXX. I do not have a contract with Sequium Asset Solutions LLC, and they have failed to provide the original signed contract with Wet signature as requested various times and they only send a balance sheet in blank. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable credit reporting laws, a debt collector must provide clear and verifiable evidence of the debt, including a signed contract that legally binds me. Since they have not done so, I formally demand that this collection account be removed from my credit report immediately.
Product: Checking or savings account

My account was hacked in 2010 like most others
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently planned to purchase a home. when looking at my credit to my surprise I have a Student Loan with Wells Fargo! I have called XXXX times and requested a fraud package to be sent to me. they finally told me they can not sent a fraud package because they no longer " service '' student loan. they said they will investigate and get back to me. 
when they call me back, they have the wrong address, phone number and even name for me. then they tell me that they called my school and the school told them yes its my loan. the school in question is a community college and somehow community college required a XXXX student loan. 
they are not providing me with any proof or showing me where the money went and where I signed I requested to see a proof and my case representative said they cant provide me with anything. 
THIS IS NOT MY LOAN! this is stopping me from purchasing a home and I need to resolve it. 
please help me because Wells Fargo is not willing to help me at all. 
Thank you XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

I owe XXXX XXXX {$1000.00} The credit agency is trying to collect {$3400.00} saying they are representing XXXX XXXX. XXXX XXXX told me all I owe is the {$1000.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 that states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, I am the consumer and I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 that states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, XXXX and Happy Money Inc is a financial institution by definition under that title. 15 USC 1681 in section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Happy Money Inc, XXXXXXXX XXXX  and XXXX and the Consumer reporting agencies XXXX, XXXX, and XXXX did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) clearly states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, XXXX and Happy Money Inc never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A also states " 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. And 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Thank you.
Product: Debt collection

XX/XX/2021 Medical Data Systems {$310.00} I do not even know this company I never received anything on this bill I have tried to get in touch with the credit bureau about this I have not heard anything. and why would they send my personal information to struggle and not to me I do not understand. for whatever reason my insurance never paid it should have been sent to me are noticed me of the charges. I feel like my rights has been it violated the bill was sent in to the credit bureau
Product: Mortgage

I bought a small condo to run, y business out of on XX/XX/XXXX from what was then Wachovia Bank. I paid that loan off in XXXX of XXXX. They stopped taking funds from my account o that date. I have included it in the documents. I retired mid XXXX and immediately started trying to sell the office condo. The market was soft and I did not received an offer until XXXX of this year. I accepted the offer and it was supposed to closing on the XXXX of XXXX this year. On Wednesday the XXXX of this month. I received a call from my closing attorney that a lien was on the property for the mortgage. I packed all my documents up and drove up to the local Wells Fargo branch. I spent three hours there but despite all the documentation that I have which included all the closing documents, the payment statement, my bank account showing the monthly with drawls and documents from the closing attorney showing the lien. I was back up there again the next day and then back to my how office for the rest of the day. On Friday my wife went up early and I was at the bank all afternoon. So 20 documents hours over three days. Saturday we spent looking through old tax returns to see if we could find any documentation because Wells could not fid the loan. On Monday started the day at the WF office again and spent the rest of the day on the phone with different depts. Another 8 hours on Tuesday more of the same. At that point though I finally connected with some one who acknowledged that they had found the loan so we could move forward. All it meant though was that I was in a different level of XXXX in Wells Fargo. They have the loan, they have the proof that it is payed but they say they need 30 days to process it. Evidently once the loan is paid they are given 30 days to record that it has been paid. That is all fine and dandy except the loan was paid off 4 years ago. Meanwhile I am in default and I run the risk of losing my hard won buyers because I cant close without them sending the release. My buyer has been patient so far but they cant wait another 30 days. It is a simple solution but despite having talked with over 20 people in the XXXX system hey will not budge. I get shuffled off after spend an hour plus with the reps. I am told they will call back and they don't. I have been hung up on three time. I have been able to escalate the issue But only after shuffling through numerous depts until I find some one who actually cares. Then I get to the next level and it is more of the same. It is a simple straight forward fix yet, while most of them sympathize they just pass me along to the next person without doing anything. I will lose my buyer if this has to go thirty days long. It should have been done 4 years ago. Can you please help me move this along as I am at my wits end My case # with Wells is XXXX XXXX XXXX is XXXX I have had the most success with his main number ( not direct ) is XXXX His email is XXXX His boss is XXXX XXXX who has not spoken with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent account listed on my credit report. I recently received a copy of my credit report and was shocked to find that there is this account that I did not open and have no knowledge of. The account in question are is : XXXXXXXX XXXX XXXXXXXX XXXX Original Charge Off Amount : {$1100.00}. I can assure you that I did not open this account or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. IN accordance with the Fair Credit Reporting Act section 605b, I am requesting that the company involved investigate this account and have this account removed from my Credit File. I have here attached a copy of the FTC report I received from the FTC for reporting the theft of my identity and used to having this account opened under my name. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Checking or savings account

On XX/XX/XXXX I received a deposit of {$9000.00}, this deposit was from my dads XXXX retirement account. After beginning to transfer the money to my father, a series of charges started to appear and were appearing repeatedly, these transactions prefer a company called XXXX, I tried freezing my debit card, but the transactions were still able to get through and bill my account. These charges continued on from XX/XX/XXXX through XX/XX/XXXX. I filed a claim on XX/XX/XXXX with Chase. The lady insisted that we could not file a claim all the charges at this time due to the reason that they were still pending on the account and I had to wait until they posted. as I waited for them to post more charges were appearing and that you continued to appear finally I called the bank again and they closed my card altogether. Once again you issued me a new card and had me change my new login ID after doing so that seemed to have worked XXXX days go by in the first claim that I filed was denied. I filed a claim once again and even submitted a email that I had received from the company stating that I dont have an account with them and I did not make these transactions and that my identity couldve been compromise after submitting these documents they still continued to deny my claim after being told that my claim was denied once again. The man on the phone insisted that they were mailing the documents to me regarding the reason I never receive those documents so I called them again on XX/XX/XXXX still was told that there was nothing they can do in that my claim was denied and still would not tell me the reason. The claim that I filed whats for the total amount for {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED THAT XXXX XXXX  PUT A CHARGE OFF ACCOUNT ON MY CREDIT DUE TO A BALANCE THAT I DONT OWE. I CONTACTED THE XXXX XXXX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER HAD A CAR WITH THEM BEFORE THEY QUICKLY APOLOGIZED AFTER I WAS ABLE TO SHOW MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THE XXXX XXXX SAID THEY DIDNT CARE THAT I DIDNT HAVE A CAR WITH THEM & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER HAD AUTO LOAN. I ALSO WANT ALL OF MY POINTS BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE THE LOAN WAS GENERATED. Equifax has the police report and refused to remove it.
Product: Debt collection

Pro-collect XXXX XXXX, 2012 XXXX this apartment was being rented by my mother and the court gave my mother 30 days to move because she had a XXXX and she was moving in with me to another location, that 's last company to lease granted my mothers move. I signed papers and low behold new company come in and said I was responsible for my mother debt. I have tried pleading and reasoning with these people and nothing, I call they hang up or cuss me out. I do n't know what else to do to get this removed off my credit.
Product: Credit reporting or other personal consumer reports

After months of exhausting all avenues in an attempt to have Experian remove inaccurate information from my credit report, the company has continuously disregarded my efforts, responding to each of my disputes with automated replies. Each dispute contained clear evidence of the inaccuracies, including proof that, for two accounts, the creditor failed to provide a copy of my signed agreement within the required 30-day period following my certified mail request. These creditors did not meet the legal deadline, and as a result, these accounts are being reported illegally on my credit profile. 

In light of the ongoing damage Experian has caused by continuing to report inaccurate and illegal accounts on my credit profile, my lawyer and I have decided to proceed with a lawsuit against Experian. 

Experian has 5 days from the receipt of my lawyer 's certified mail to delete all inaccurate and illegal information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you are reporting damaging information to my name. 
Please review the following Account XXXX : XXXX XXXX Account # : XXXX You are reporting this account as late, delete for inaccurate reporting attached is a letter from XXXX XXXX proving the late payment is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

On XX/XX/XXXX date disbursed repayment start/ deferment end date XX/XX/XXXX principal balance {$3500.00} payment amount {$37.00} due day on XX/XX/XXXX XX/XX/XXXX principal balance {$6200.00} payment amount {$67.00} due day total current payment due monthly {$100.00} estimated to to be repaid unpaid principal balance {$9700.00} accrued unpaid interest to be capitalized {$98.00} interested payable {$2600.00} total amount to be repaid {$12000.00}
Product: Debt collection

Not long ago this collection agency placed a collection on my credit report. I disputed the debt with the credit bureaus and it came back " verified ''. I then sent this company a letter on XX/X/2017 requesting validation ( please see attached ) and they responded in a letter stating that they had researched and the debt is valid. What kind of response is that? The fact is, I have never had an account with a company called XXXX. Do they think because I am XXXX that they can do this? Do they think I 'm XXXX or something. Here are the other facts ; 1 ) I am a US citizen, 2 ) I am a veteran of our military, 3 ) I am a XXXX XXXX XXXX and lastly 4 ) They will NOT get away with this. They have chosen the wrong one to play games with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission.

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX COMPANY DATE ASSIGNED : XXXXXXXX XXXX XXXX  OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXXXXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Debt collection

When I learned of this debt on my credit report I reached out to Easternaccos to send validation of this debt. They are reporting on my credit report that I owe {$3800.00} and I've never heard of this company. I never received a bill from them regarding this debt before adding it to my credit report. I have sent several letters certified and they haven't responded but they are still reporting to my credit report. My letter was sent certified and the tracking # shows my letter was delivered on XX/XX/XXXX, XXXXXXXX XXXX  NY XXXX
Product: Credit reporting or other personal consumer reports

Discover card is not mine, still on credit report