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

I co-signed for a Motorcycle bike loan in XX/XX/XXXX, with my son in law, which was paid in full on XX/XX/XXXX. At the end of XX/XX/XXXX, we received the Notarized Lien, a satisfaction letter and the original bank loan papers stamped PAID from the bank. However, in XX/XX/XXXX, I tried to get a loan to help my brother purchase a home and when the credit report came back I was informed that XXXX XXXX had been reporting that the loan was been reported as late since XX/XX/XXXX thru XX/XX/XXXX and then as a charge off which is still being reported as of today the same way. I have contacted 2 times since XX/XX/XXXX, the first time I spoke to a Manager named XXXX and I explained the situation at which point to proceed to tell me that apparently the amount of {$940.00} was some type of interest owed. I asked her Why is it that we are finding out this information now and not before you decided to send wrong information to the Credit bureau? She said that someone had called which was a lie because when I asked her to tell me when someone called she said they could not tell me because nobody noted the account. Fine, I said. Then, I said, we were willing to PAY THEM AGAIN for something that was already paid but we would need them to send me a letter stating that they would erase the wrong information from the Credit report because it was damaging and I have worked too hard over the years to have good credit in case I needed to use it to send my kids to college. I explained to her that I had in my possession the documents I described above and she said to fax them to her and gave me a fax number. Not 10 minutes had passed when she called me back saying not to bother sending the documents and that she was prepared to take the money from me but it would have to be a debit transaction and that they would not change any information in the credit report because they didnt have the power to do so. I told her that I was going to consult a lawyer and ended the conversation. I then proceeded to dispute the information with the Credit bureaus. XXXX erased the information in XX/XX/XXXX but I entered a dispute with Experian in XX/XX/XXXX and the most recent one in XX/XX/XXXX and both times were denied from erasing the information. This situation is adding more stress and aggravating my XXXX diagnosis these past 6 months. How can people so this and get away with this? If they want money, again, we are willing to give it to them but they need to admit their mistake and erase the wrong information from our files.
Product: Credit card or prepaid card

I got your response from previous complaint # XXXX, but you still can't hold my rewards cash balance, it has ~ {$50.00}. GIVE MY MONEY BACK!!! 

I know you have the rights to close my account, but you can't just take away my cash rewards. It's unreasonable at all. All the other banks like XXXX, XXXX, XXXX all give at least 30 days to redeem the remaining balance. How could you take away my cash reward without noticing me in advance? Don't you think it is unfair to me, do you?
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 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
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these Accounts were open up in XXXX XXXX Nevada. And I live in Alabama. I mailed a fraud affidavit. Police report 3 days ago in reference to these accounts. I mailed 16 years of Alabama state Id. Every last one of these accounts are affiliated with XXXX XXXX Nevada. They were all open. In Nevada and have a attached Nevada address. Please see police report and remove from credit file. 1.XXXX XXXX- -'- Fraud auto loan open up in XXXX XXXX Nevada 2.XXXX XXXX- Fraud apartment XXXX XXXX Nevada 3.XXXX XXXX- Fraud merchandise was mailed to XXXX XXXX address 4.XXXX XXXX - Fraud XXXX XXXX Nevada address 5 . XXXX XXXX Fraud XXXX XXXX Nevada address 6. XXXX XXXX -- -- Fraud cable company in XXXX XXXX Nevada 7 Chapter XXXX -- -- -- Fraud was filed online Pro see XXXX XXXX Nevada 8. -22- unaurhirized inquiries Fraud paperwork will show all fraud inquiries on my credit report. With Fraud affidavit and police report please remove ALL from credit file.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiry I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card or prepaid card

I received a package delivery from Amazon on XX/XX/XXXXthat I did not order. I called Amazon the following day to report the package with all pertinent information. Amazon examined my standing account with them and determined my XXXX card on file was not used for this purchase and via letter, told me the product was mine to donate. I tried to get a return label to send back as I had no interest in this product. Two days later I discover my Chase Visa was charged for this product which I have never used for any Amazon purchases. I called Amazon again, to dispute and asked again for a return label. Again I was told my account was safe. I disputed the charge with Chase. They promptly removed the charge and issued a new card. I tried Amazon a third time for a return label and I was told that fraudulent account was suspended and they could not issue a return label. Chase in XXXX reposted the charge to my visa. I called and the position they took was I received the product, therefore I had to pay for the product. I questioned Chase 's investigation and sent to the Fraud Department all of the documentation sent to me from Amazon along with my purchase history and verification of my XXXX XXXX on file. They promised to re-investigate and this week sent a letter that the charge will stand. I called Amazon once again to request a return label, I don't want the product and I don't want to pay for the product that I have no interest in dealing with a donation nor sale of the product. 3 Phone calls with Chase, 5 with Amazon and I am still on the hook for a system to build a super gaming system that sold for {$410.00}. I have no resolution and feel both Amazon and Chase are to blame.
Product: Money transfer, virtual currency, or money service

The details of the transaction is provided below : MTCN : XXXX Case Number : XXXX Confirmation Number : XXXX Sevis ID : XXXX I made a payment for Sevis Fee through western union and the payment was not received by XXXX XXXX. XXXX told me that they never received the fund for the payment. They said they discovered that the MTCN XXXX payment with coupon number XXXX was never process by the western union agent. 

I have contacted both western union and XXXX concurrently and they do not give me any favorable response as to where my money is. I want a full refund of my {$350.00} plus a {$10.00} transaction fee that I paid.
Product: Checking or savings account

I have had a checking and savings account with Citizens bank for several years. I have a Green checking account, and have always kept {$2000.00} in the account. Citizens bank changed the account sometime in XXXX, and never sent me any notification by mail, They just started charging me a fee of {$9.00} each month. I called customer service, and they said that they mailed me a notification in XXXX. I asked when in XXXX because I never received any disclosure or notification. The agent could not tell me the date. I work for a XXXX, so I know that this documentation is readily available. The agent, then said she could remove 2 of the service fees. I said that this was unacceptable, and requested to speak to a manager. I spoke to the manager, who then said that the notification was on my estatement on page 2. I explained that I've never seen this before. She tells me that there is nothing that she can do. I told her that changes to an account should be mailed even if a customer has estatements. I advised that I would be contacting the CFPB because this is an unfair practice. I am making deposits to the savings account every 2 weeks, and I could have easily deposited a portion of those funds to the checking account.week. I just want my funds returned to my account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

My name on my credit report is XXXX XXXX XXXX Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EQUIFAX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, EQUIFAX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA EQUIFAX BREACHES, XXXX BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Collections Date Opened XX/XX/XXXX Balance {$490.00} Account Number XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$140.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$13.00}
Product: Mortgage

I have had a very difficult time with Fay Servicing and XXXX XXXX my manager. I have tried to submit for a loan modification 2 times. I was never able to communicate to the same person which always caused confusion. XXXX XXXX always seemed to lose my paperwork, which I constantly had to re-fax. I was declined for a modification because I extended my maximum reviews!?! 

The first time I applied Fay Servicing declined me because I had equity and I am self employed. Which sounded made up and completely illegal. I had a medical hardship which caused me too miss some payments. I was over my hardship and back to work so I applied for the modification. This qualifies me for a modification based on mortgage banking guidelines. So I applied a 2nd time thinking this had to be a mistake. 

The 2nd time, I applied I had help with a free service that help me make sure my underwriting was done correctly since I am self employed. Everything looked good so we sent it in. Based on the guidelines I can afford my mortgage and just need a modification to avoid foreclosure. Fay Servicing then declined my file stating I had exceeded the allowed reviews? This is my 2nd review and I submitted because the fist denial seemed illegal. 

I know for a fact the 1000 's & 1000 's of home owners have received loan modifications that have equity. And based on the California Bill of Rights I am allowed to appeal and apply again. Fay Serving only seems to lie, and make up excuses to review my file. Both decline reasons from Fay Servicing do not even seem to be honest or legal.
Product: Checking or savings account

On XX/XX/XXXX there were pending international charges on my account. The next day I opened a claim with my bank regarding around XXXX charges totaling over {$20000.00}. This fraudulent activity started with someone transferring a high amount of money from my savings account into my checking. They also linked an XXXX to XXXX XXXX on the account, while I do not have an XXXX. I also do not even have a passport to travel internationally. They also increased the daily debit amount to {$20000.00}. There were several charges for the same amount and varying other charges ; all international. My bank denied the claim made saying there was nothing fraudulent despite these charges being out of the ordinary, in another country, connected an XXXX with a different name, and pending while I made a claim. I am currently in the process of helping my daughter and son in law purchase a house so we made another escalated claim with the bank hoping they can help get this money back and do a more thorough investigation. I never authorized these charges over the phone, in person, or through texts. I only gave codes to the bank sent to my phone to deny these charges as I did not make them. They have not sent a letter with any reasons to why this claim has been denied yet; hoping to receive something soon. The bank also reversed 2 of the smaller charges on the account, so I don't understand how these charges ( with the same description as the others ) were sent back but none of the others were considered fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by reporting inaccurate payment history to Equifax. I have never been late and this account should reflect on-time and closed. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by reporting inaccurate payment history to the credit bureaus. I have never been late so this account should reflect on-time and closed. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting misleading payment history to Equifax. I have never been late and this account should reflect on-time and closed. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated by reporting fraudulent information on my credit report. Im a natural person and Ive never applied for any service through XXXX or its subordinates. This account needs to be removed from my Equifax credit profile immediately. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by harassment and perjury through mail, email, phone calls and calling my friends. Ive never physically signed any contract binding me to any terms of service, although if I Ill take full responsibility but as the consumer I have the right to request that the original creditor ( XXXX XXXX XXXX ) show evidence in writing within 5 business days of receiving this dispute under FCRA guidelines. 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 hand written instructions.
Product: Credit card

THE TRACKING INFO IS # XXXX IT GOT MAILED OFF ON XXXX/XXXX/2015 FROM US POST OFFICE IT GOT TO XXXX ON XXXX/XXXX/2015 @ XXXX AND IT HAS N'T BEEN SCANNED ANY MORE SO THEY CLOSED THE CASE & SAID THEY CANMT GIVE ME AN REFUND THAT WILL NOT HAPPEN I WILL NOT PAY ANYTHING FOR AN PHONE I PAID TO SEND BACK & XXXX DID N'T SCAN PACKAGE IN TO SHOW WHERE IT IS ITS NOT LIKE I CAN JUST GO TO THE PLACE OR CALL & ASK WHERE IS MY PACKAGE & THEY KNOW THIS & USE THESE TRICKS TO MAKE YOU PAY FOR ITEMS YOU HAVE RETURNED WHEN THE SELLER SOLD ME AN ITEM THAT WAS N'T WORKING I HAVE ALSO COMPLAINED TO CFPB ALSO AND THE FEDERAL RESERVE ABOUT THE PAYPAL. I WAS SENT AN EMAIL TELLING ME TO RETURN THE MERCHANDISE BACK TO SELLER & I NEED TO USE A SHIPPING METHOD THAT PROVIDES ONLINE TRACKING INFORMATION! I DID THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXXXXXX XXXX and Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
Product: Credit card

XXXX report dated XXXX/XXXX/2016 showed Wells Fargo Card Services, Credit Bureau Dispute Reso, XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX has requested XXXX separate inquiries for credit history. On XXXX XXXX, 2016, XXXX, current employee of Wells Fargo stated after the original inquiry for approval no additional credit inquiries are needed. On XXXX XXXX, 2016, XXXX, a current employee of Wells Fargo, was contacted. XXXX stated credit inquiry would be requested only once, unless the customer requests a credit increase. On XXXX XXXX, 2016, XXXX, a current employee of Wells Fargo, was contracted. XXXX stated the credit inquiries are ran just once. However, XXXX credit inquiries have been made to obtain copies of my credit history. 
According to the employees this is in direct violation to company policy. Wells Fargo is the third largest Bank in the United States and does not have employees running credit inquiries on a monthly basis for the large number of customers that they have. My account is in good condition, an credit increase has not been requested, and I am not involved in any type of debt resolution with Wells Fargo. It is my belief the inquiries are not being used for a work related reason. Therefore, I am requesting an investigation into what my credit history is actually being used for and who is this information being given to since the company does not have any use for the information.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion 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, information consists of a personal credit card account opened at XXXX XXXX on XXXX XXXX XXXX. This account has resulted in several fraudulent appearing on my consumer FICO credit report. I've attached a list of the inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned account and inquiries appearing on my consumer credit report maintained by you were not opened made or initiated by me. The aforementioned account and inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and inquiries are the result of identity theft and fraud.
Product: Debt collection

Previously disputed this collection through CFPB and through the individual credit bureaus with no luck at getting this collection removed. The previous response from this creditor was that my complaint should n't have been sent to them. They are indeed the creditor showing on my credit report trying to collect debt that is not mine/owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is showing a balance of {$54.00} with XXXX XXXX  XXXX XXXX. I have a XXXX  balance with XXXX XXXX XXXX XXXX. They are not reflecting my payment that was made on XX/XX/20 for XXXX. The XXXX  credit bureau is reporting a XXXX  balance for this creditor.
Product: Debt collection

Hi, my paycheck is being garnished by Grimm Collections after they acquired a debt from XXXX XXXX XXXX in XXXX. There are several things going on here that are wrong. First of all I believe it has been over six years. Second of all, they have been notified by my employer multiple times I am on medical leave and not working aka not receiving my full normal paycheck. They still continue to attempt to garnish my paycheck. After I have been intermittently on medical leave since XXXXXXXX XXXX XXXXXXXX. Third, they did not notify me they were going to do this. I have not received any mail or phone call correspondence from Grimm Collections. The only way I found out about this was through my employer mailing me a copy of the writ garnishment letter.