23daVinci/CFPB_Complaints huggingface dataset:
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 FairCreditReporting 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 ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXX.XXXX.XXXX.XXXX.XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX   inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXXXXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXXXXXX  	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX  	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX  	XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXPlease remove the following telephone numbers 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) XXXXXXXX(XXXX) XXXXXXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX
Product: Debt collection

I lived in XXXX  apartments on a section 8 voucher where section 8 pays a portion of my rent. I have always paid my rent I have receipts showing this the month I moved out I paid the full month even though I moved out mid month. They kept my deposit and the remaining funds from the full month rent I paid and reported I owe for something but never notified me. Now a debt collection company has reported it to the credit agencies it has affected my credit score and now I have a bad landlord mark on my credit report whereas before I had none. I have all my receipts I always paid my rent and dcha has always paid them their portion. I am seeking assistance with getting this off my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as listed below : Creditor : XX/XX/XXXX XXXX Account Number : [ Your Account Number, if available ] Reported Balance : {$4100.00} Charge-Off Status Upon reviewing my credit report, I noticed discrepancies with this account that require immediate investigation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable information on my report. Specifically, I am requesting the following actions : 1. Verification of Debt : Provide all records confirming the validity of this account, including the original signed agreement, account history, and charge-off documentation. 
2. Correction or Deletion of Errors : If you can not verify the accuracy of this item within the legally required 30-day timeframe, this account must be removed from my credit report.

Enclosed, I have attached copies of my identification ( drivers license Please conduct a thorough investigation and provide a written response with the results of your findings. If the information can not be verified, I expect this item to be deleted from my credit file as required by the FCRA. 

I appreciate your prompt attention to this matter and look forward to your response within the 30-day period, as required by law. Please send all correspondence regarding this dispute to my address listed above. 

Sincerely, XXXX XXXX
Product: Student loan

We applied to re-finance my wife 's student loans with me as a cosigner, because she is unemployed. SoFi requested employment verification. For employment verification, my employer sends a password protected PDF to the entity, and sends me the password for the PDF. It is my responsibility to provide that password to the entity. I requested through my employer on XXXX/XXXX/16 that they send employment verification to " XXXXXXXXXXXX ''. I received the password from my employer and sent it to SoFi at XXXX XXXX, XXXX/XXXX/16. On Tuesday, XXXX/XXXX/16, I received word from SoFi that the employment verification was only good for a short period of time in their system, and they requested a new employment verification. I again requested employment verification from my employer be sent to " XXXXXXXXXXXX ''. I received the password and sent the password to SoFi at XXXX XXXX, on XXXX/XXXX/16. I called SoFi after sending the password to confirm they had received both the verification document and the password. The phone representative allegedly spoke with the Reviewer for our application, and they confirmed they had both the document and the password. About XXXX CDT, on XXXX/XXXX/16, I checked the SoFi online portal, and it still showed my employment verification was missing. It had an option in the portal to upload an employment verification document. In the interest of thoroughness and redundancy, I requested a third employment verification from my employer, but this time I requested the document be sent directly to me. I received the document and the password, un-encrypted the document, and re-saved it. I then uploaded the un-encrypted document to the SoFi portal about XXXX XXXX, on XXXX/XXXX/16. Since that time, SoFi apparently has no record of receiving the previous two employment verification documents directly from my employer, nor a record of the SoFi employee I spoke with who verified the second employment verification. They have stated the document I provided is not sufficient because it did not come from my employer, and have requested yet another employment verification from my employer. Seeing as I have had my employer send two previous employment verification documents directly to them, I have refused to have my employer send them an employment verification a third time. SoFi 's lack of record-keeping and document accountability is alarming to me. I have provided them a lot of personally identifiable information ( PII ). How secure is the rest of that information if they ca n't locate the previous two employment verification documents my employer sent them? I suspect there must be a standard financial institutions are required to adhere to in maintaining customer 's PII. I am concerned that SoFi does not have a practice of adhering to those standards. We have withdrawn our application from SoFi due to their poor record-keeping practices and insistence that I have my employer send them a third employment verification, but felt it prudent to file a complaint in the interest of all of their clients PII.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 1. XXXX XXXX P - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX - XX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX CARD - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Debt collection

I recently filed a complaint against,  XXXX   XXXX   XXXX  regarding this same issue. However, the same issue remains with  PNC Merchant Services.      In  XXXX  of  XXXX , I purchase a   XXXX   XXXX   in Florida. As part of the venture, I signed up for merchant services with  PNC Merchant services. As part of the agreement, PNC Merchant Services  would take a percentage of my company 's production that was processed via credit card. Each credit card ( e.g.  XXXX ,  XXXX   XXXX ,  XXXX , etc ) had a different percentage that would be deducted for the amount collected.     In  XXXX   XXXX , my   XXXX   XXXX   went out of business and a settlement agreement was reach with  PNC ba nk to write off the remaining loan balance, as the business was sold at a significant loss. The credit/debit card machine was returned to  XXXX   XXXX  via  USPS  delivery confirmation.  XXXX   XXXX  and  PNC Merchant se rvices were both informed that the dental practice was no longer in business and that all equipment was returned.     The last credit card purchase made at my business was during the first week of  XXXX   XXXX , at which time,  PNC Merchant Services  took their agreed upon percentage. No further transactions were processed at the business, and the credit card terminal was returned. However , PNC Merchant Services  continues to sent me bills for aggregate fees, which I do not owe since I have not used their credit card services since the business closed. Any percentage of   XXXX   is  XXXX . Please help me resolve this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, This is in regards to hard credit inquiries I do not recognize on my credit report that I would like investigated and then removed for being unauthorized : to this complaint I have : - my drivers license - my social security card - my address - my written complaint - screen shots where these are located Please have these unauthorized hard credit inquiries removed as soon as possible.
Product: Checking or savings account

Complaint against Wells Fargo Bank XX/XX/XXXX XXXX. Well Fargo Bank ( WF ) has not exhibited fiduciary responsibility in handling the opening of my new account with large sums of money, the subsequent wire transfers, and case review after I discovered the fraud. 
XXXX. No one at the WF branch office or higher corporate approval levels, asked any questions with my opening a new account with XXXX XXXXXXXX deposit or with the soon after wire/s out. 
XXXX. WF failed to review and research where the funds were going ( the XXXXXXXX XXXX  ) for potential fraud. 
XXXX. Confusion, inaccuracies, and errors in the WF case handling with no continuity from XXXX ( XXXX ) different corporate office representatives stating they were in charge of my case. 
a. The Reps included : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. WF ignored my voicemail and email requests to discuss errors and actions prior to rendering the case closed. 
Fraudulent Wire Transactions ( all to XXXXXXXX XXXX  ) : XX/XX/XXXX {$600000.00} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {$330000.00} XX/XX/XXXX {$42000.00} Total {>= $1,000,000} Wells Fargo Errors : XXXX. WF added legitimate wires to my claim in error causing on-going issues for my legitimate recipients. I initially identified XXXX wires ( listed above ) to be included with WF XXXX XXXX XXXX. 
XXXX. WF letter on XX/XX/XXXX stated in error that I withdrew my claim for wires totaling {>= $1,000,000}. I took No such action. ( see attached copy ) Wells Fargo Inaccuracies : XXXX. XX/XX/XXXX WF XXXX XXXX XXXX stated incorrectly that the XXXXXXXX XXXX has since gone out of business, implying the reason for lack of funds recovery. 
XXXX. XX/XX/XXXX WF XXXX XXXX XXXX stated incorrectly that the fraudulent wire transfers were done on-line and therefore there was no way to stop them. The wires were done in person at the WF branch office in XXXX, PA. 
XXXX. WF letter dated XX/XX/XXXX inaccurately stated that XXXX ). I asked for all wires from my account to be included and XXXX ). That they ( WF ) informed me that some wires were legitimate. I identified the issue to WF XXXX XXXX on XX/XX/XXXX. ( see attached copy )
Product: Credit reporting or other personal consumer reports

I received notifications that I had changes to my credit report on file. After reviewing my credit report on XX/XX/year> I recently seen two accounts from the same company placed on my report. I never opened such account with this company Collections Management and never have given written consent for my personal information to used by this company. I attempted to call the company with the info that is provided and the number was disconnected and not in service.
Product: Credit card

I was trying to do purchase on ebay and pay through paypal and actually the seller is Paypal ( Paypal digital gift cards ) and all my transactions are declined for straight two days ( XXXX/XXXX/2016 and XXXX/XXXX/2016 ) When I contacted them they said they issue is resolved and when I tried it again it did n't work. Then I called them again and talk to supervisor named XXXX ( ID : XXXX ) and first level support is better then this guy answers. Some of the answers are given by him are hilarious 1. " If your transaction keeps failing then you should not buy that product ''. - Paypal ca n't dictate me what I can buy or I ca n't buy. 

2. When I told him that I wasted lot of time calling you guys multiple times- His reply was " I did n't told you to call Paypal ''. If there is a problem then I need to call Paypal that 's why there is a customer service. He is implying do n't call customer service if there is a issue. 

3. He told Paypal ca n't guarantee a transaction I told that is fine but when there is a issue can you at least try to solve it he said " If the system thinks there is a security issue we ca n't do anything about it ''. When I asked when the issue will be resolved whether 1 day, 1 week, 1 month he said he do n't know and issue may not be resolved ever as well. 


I am not sure how such a guy has been appointed as supervisor and still continuing to do so. 

If paypal want to sell gift cards @ promotional price to only few customer then they should do targeted advertising. If they advertised in public then they should honor the purchase and should not block people based on the profile using security as shield to protect them.
Product: Debt collection

I contacted the national credit system a debt collection company many times, by phone and by letters. with this i asked to validate my account, then submitted a settlement offer to the company. when i made a call to the company i was spoken to very abusively and disrespected horribly, i was just trying to make an reasonable offer and settle me debt. I want someone to be aware of this company 's unprofessionalism
Product: Debt collection

I just found out yesterday about a unrecognized negative from Agency name Carter Young claiming I owe {$2500.00} at XXXX XXXXXXXX XXXX 6 years ago. I contacted the XXXX XXXX XXXX in person and confirmed with them I dont owe them since XXXX till now. The Manager even checked their computer system pulled up all records from XXXX till XXXX and still no records of me owing them. This is a huge mistake that affecting my personal credit and should be investigated and taken off from my credit that is falsely reporting I owe money.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Accounts paid off and showing wrong balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Accounts Paid down and showing wrong balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received an email from Bright Lending telling me my loan had been approved. I had not applied for any loan. My house recently burned down and I am currently trying to purchase a home and was told not to open any new accounts. I opened the email on XX/XX/XXXX and went to the website which had electronic signature information dated XX/XX/XXXX with an IP address out of XXXX AZ, I am located in WA state. I then emailed the company letting them know I had not participated in this at all as it was too late to call them. On XX/XX/XXXX I called first thing and they were very helpful and canceled the loan. She said that if the funds did transfer into my account they would be removed within a couple of days and would receive a cancelation email. I never received an email and {$1000.00} showed up in my account that day. I waited 3 business days and called again and was told it would take 3-5 days and my loan was officially canceled XX/XX/XXXX. I asked again for an email and did receive it timely. Today XX/XX/XXXX I chatted with someone online because the money had not been removed. I was told they would have someone call me but couldn't say when so I called myself. I was told that for them to remove the funds I had to complete an affidavit at indentitytheft.gov, take the affidavit and file a police report and then fax the police report to them to have the funds removed. WHO OWNS A FAX?! I was also told that my information was received from a third partY site XXXX. This loan was approved automatically they never contacted me to verify it was a valid request. I feel like this is predatory I did not and would not apply for a loan with a 699 % interest rate and they are making it extremely hard to return the funds. I now have to change my checking account information because I'm afraid they are going to start taking payments out. I've also frozen my credit hoping that something like this doesn't happen again.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX, XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX. 
SSN : XXXX Address : Your XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Enclosed : copy of State ID and Utility bill showing proof of address
Product: Bank account or service

In XXXX my mother opened a certificate of deposit with bank one and was to stay in the bank until I was of age in XXXX. And in XXXX ( the same year chase bank bought out XXXX ) my account stopped drawing interest and now chase has no record of my account. I have the orginal certificate of deposit reciet and it 's statements and still they say there is no record in there system and that I need to look at the states unclaimed property and it 's not there so I need help located my money it is a large amount and I want to be able to cash it in it has been XXXX years since I was supposed to be able to cash it.
Product: Credit card or prepaid card

At the beginning of XX/XX/2019, while vacationing at the XXXX XXXX in XXXX, Florida, I was sold a conversion of my time share unit with the particular resort. As part of the sale, I was offered a Barclay 's XXXX XXXX   XXXX that was represented by XXXX XXXX personnel that sold/signed me up for the promotional account that it was to be the first six months interest free. Upon my return home, in XX/XX/2019 ( within the first six months of receiving the card and opening the account ), I used the card for a purchase in the amount of approximately {$1300.00}. I was intending to pay off the balance in monthly installments of {$300.00} per month in order to take advantage of the first six months interest free promotion. I was shocked upon receipt of my first statement to discover that I was being charged interest on the balance in clear violation and disregard of the representations made to me by XXXX XXXX personnel. I called XXXXXXXX XXXX twice in XX/XX/2019 in an attempt to obtain a copy of the agreement and application I had signed but did not receive any documentation. After the second call, the number that I had was no longer being answered ( straight to voicemail ). I then reached out to Barclay 's on XX/XX/2019, where I told that if I paid the balance in full before the next statement there would be no interest. Obviously, I countered, that if I paid the balance there could be no interest since the amount would have been paid in full and thus there would be no need for a first six months interest free promotion. After I explained the ridiculousness of their position, their representative then changed the position and said that only XXXX XXXX   purchases were interest free for the first six months. Again, I countered with the fact that this limitation was never stated and was a violation of the general nature of interest free purchases. Nevertheless, after having got nowhere, I called XXXX again on XX/XX/2019. On XX/XX/2019, I spoke with XXXX XXXX from XXXX XXXX who implicitly agreed that the particular card was marketed as the first six months interest free. That was the last conversation with XXXX XXXX personnel on this matter despite trading phone calls and receiving a letter seemingly dismissing my concerns. I believe that I have been subject to a blatant misrepresentation and fraudulent marketing scheme perpetrated by Barclay 's bank, through their agent XXXX XXXX and that both are equally responsible for the fraudulent misrepresentation of a promotional six months interest free period.