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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Permanently Delete all inquiries that are not linked to an open account due to the fact that they are fraudulent inquiries not done or recognized by my person or did I provide my consent. All inquiries have been permanently deleted from XXXX and should be removed from Transunion and XXXX
Product: Credit reporting or other personal consumer reports

I experienced unethical practices with XXXX XXXX that severely impacted my XXXX XXXX. While traveling internationally in XX/XX/year>, I was unable to access their website to pay the annual fee due to blocked access from the country I was visiting. Despite multiple international calls, I couldnt resolve the issue. I eventually sent the payment via my bank, yet they reported a XXXX late payment. After I explained the situation, they accepted responsibility and removed the late report. 

After closing the account to avoid future issues, they re-reported the XXXX late payment, despite previously removing it. This caused my XXXX XXXX to drop from the high XXXX to the XXXX. Blocking account access, providing no alternative payment options, and penalizing customers for their own failures are unacceptable practices. I request an immediate correction to my credit report and a review of these harmful policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX  on XXXX, XXXX XXXX XXXX  on XXXX, XXXX on XXXX and XXXX, XXXXXXXX XXXX XXXX on XXXX, XXXX on XXXX and XXXX on 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

I'm currently XXXX ( XX/XX/2019 ) and receiving minimal weekly benefits. I explained this to them multiple time and have tried to work out a repayment plan or deferred plan until i gain employment which is unknown due to the health issues facing the country. the collection calls have been relentlessness ( 6-10 times/day ) coupled with the threats of repossession my vehicle. These people are horrific and refuse to work out an amicable payment arrangement.
Product: Credit reporting or other personal consumer reports

At approximately XXXX ( central time ) on XX/XX/XXXX I received about XXXX emails in a XXXX minute time period for things I had never subscribed to. I also received a emails from my phone carrier ( XXXX  ) about changes on my account that I did not make. I called XXXX to discuss this and someone had in fact changed what phone was linked into my account. My phone had become unusable except for on wifi, so I was calling on my wifes phone. They helped me switch everything back. 

I also received an email from XXXX XXXX XXXX XXXX about a new inquiry on my credit report with XXXX XXXX. The inquirer is listed as Barclays Bank Delaware and it occurred around the same time on the evening of XX/XX/XXXX. I did not initiate this inquiry. 

I have since changed some passwords to my accounts, froze my credit with the XXXX major bureaus, and opened a credit karma account to assist with monitoring. 
At this point, I have not had any money taken from any of my accounts, there are no unrecognized charges to my credit cards, and I do not notice any new debt/loans opened. I do also have a screenshot from my Spectrum app that I have international data being used in the XXXX XXXX, which I have never been to.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint with the CFPB requesting an investigation on account : XXXX XXXX XXXX  XXXX Account is not in a Charge Off, Maximum Deliquencies is incorrect, Past Due Balance is Incorrect. 

According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following USC Codes have been violated by the credit furnisher : 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), 15 USC 1681s ( 2 ) Credit furnisher, has not properly furnished my request but has only furnished their generic letter of reinvestigation results. Due to these violations, I am requesting a deletion of the said above account immediately.
Product: Credit reporting or other personal consumer reports

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX, ACCOUNT NAME : XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. THIS ACCOUNT DOESNT HAVE EXACT INFORMATION AND STILL APPEARS IN MY CONSUMER REPORT.

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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX A XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$330.00} ; XXXX SELF-REPORTED XXXX Balance : {$17.00} ; XXXX XXXXREPORTED XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; Chapter XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the collection account reported by XXXX XXXX XXXX, also listed as XXXX XXXX XXXX, appearing on my credit report with XXXX, XXXX, and TransUnion. This account reflects an alleged debt of {$4300.00} with the original creditor listed as XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute the accuracy and validity of this account. I request that this account be removed and deleted entirely as it fails to meet the standards of verifiable and accurate reporting. Specifically, I demand validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires the collector to provide a signed contract or agreement that explicitly contains my full signature and Social Security number to establish the alleged obligation. Without such documentation, this account must be deemed unverifiable and removed. Furthermore, I request proof of assignment or transfer of this debt from XXXX XXXX to XXXX XXXX XXXX. In the absence of proper documentation, this collection is not legally enforceable, and its continued reporting violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy in their records. The discrepancies in the balance amounts ( e.g., {$4300.00} vs. {$4000.00} ) and the failure to provide closure or original agreement information further highlight inaccuracies. I assert that this account is inaccurate, unverifiable, and must be deleted immediately from my credit reports. Failure to do so may result in legal action, as continuing to report unverifiable or inaccurate information is a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not removed scores of invalid, unauthorized information that has a material impact.. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Experian databreaches, class action & amp ; settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.
Product: Credit reporting or other personal consumer reports

FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. 

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes.

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Product: Money transfer, virtual currency, or money service

PNC no longer allows funds to be linked to XXXX for stock trading.
Product: Checking or savings account

I opened an account with Citibank and deposited {$50000.00} in XXXX, I wished to wire transfer out {$45000.00} to another bank account and my account was frozen. I went to the bank and spent an afternoon to unfreeze my account over the phone, then I asked my bank ( Citibank XXXX XXXX ) to do a wire transfer for me, within an hour of the wire transfer my bank account was frozen again, this time they asked me to wait for a letter from them, and after I saw the verification code in the letter, asked me to contact them again. Two weeks have passed and the letter still hasn't arrived. Also the employees of the branch are not answering my calls this week. i am being unjustly denied access to my money.
Product: Vehicle loan or lease

On numerous of occasions, I have spoken with a rep and told them the details of when I will pay, or I have made a payment, and they continuous contact me. They would call while I am at work and have harassed me even after I told them I was out of work due to health reason ( XXXX ) and was giving them my last even if I did not have money for myself and my kids to eat. On XX/XX/XXXX, I was contacted by XXXX, a representative of the company, I told him I made a payment on XX/XX/XXXX and would need time to pay since I have been out of work and just started my current job. He confirmed and we disconnected the call. On XX/XX/XXXX, XXXX called again after I specifically told them all the details. The company has harassed me for years and has made my life XXXX.
Product: Mortgage

I have been paying an extra {$100.00} a month on my mortgage payment to be applied to the principal for years, Then in 2021 I had to file for bankruptcy, which, the house was NEVER part of the bankruptcy. My mortgage company at that time stopped putting the extra money they were receiving and putting into a suspended account without informing me of this action, We I did notice I called them and they explained the reason for it and I was told I need to send them a email to let them know what I wanted to do with the extra money I was paying in, which I did, They started to put the money on the principle again then a few months later they stopped and started to put it a suspended account again, once again I called them and they said I need to send them a signed letter once again so I did and at that time I stopped paying the extra amount, But they refuse to put the {$600.00} they are holding in the suspended account and applying it to the principal., I have faxed them many times requesting them to do so. and all I get is a letter saying the same thing. That {$600.00} would greatly reduce my mortgage since it would cut down on the interest over the course of the loan.
Product: Credit reporting or other personal consumer reports

Information on my credit is inaccurate I did not authorize these companies to run my credit I sent letters to XXXX and XXXX XXXX regarding the issue to run their investigation still these items remain
Product: Debt collection

MERCH & PROF C B, XXXX, Tx. has submitted maliciously false information to the XXXX Credit Reporting Agency about my account with XXXX XXXX XXXX of XXXX, Tx.. Stating that I have debts opened in XXXX of XXXX and XXXX of XXXX. I left Texas in XXXX of XXXX, I have not been back. I notified XXXX XXXX of this situation Via Email on XXXX XXXX, XXXX, with no response!
Product: Debt collection

For XXXX years XXXX XXXX and their XXXX XXXX XXXX have been trying to collect a debt for medical services allegedly received by my son, who is a minor. The service are for " XXXX XXXX XXXX '' that is NOT my son 's correct name. It was clear to me from the beginning that somehow, whether through the XXXX XXXX breach or some other means that this was a fraudulent charge. I brought this to the attention of XXXX XXXX and their solution for XXXX years now has been to ignore that and send out this {$240.00} to one collection agent after another. This is harassment and a clear violation of the FDCA and they need to be fined so they will stop doing this. Now that your Supreme Court case has been decided in your favor I sincerely hope that you are back in the business of protecting consumers now and that you will stop this and all actions like this by the bad actors out there who prey on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXXXXXX Balance : {$8900.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My credit report contains multiple unauthorized inquiries and a fraudulenXXXX XXXX XXXX XXXX account that I did not open or authorize. 

Despite previous disputes and the submission of an FTC Identity Theft Report, these errors persist. The fraudulent inquiries include : XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

There's accounts open which should be closed and they're affecting my ability to be able to get credit.
Product: Credit card or prepaid card

Wells Fargo Credit Card Account XX/XX/2019 Dear Investigating Officers : In early XXXX I received an email notification that Wells Fargo was offering credit card balance transfers with 0 % interest for 18 months. I have a XXXX credit card with a balance of {$6100.00}. I decided to make the transfer to save money. 
I applied online and was instantly approved for a credit limit of {$5000.00}. I called WF and a customer service agent said to wait until I got the card in the mail in order to ask for a limit increase. I did so, and last week received a declination letter. I immediately cut the card up, called WF and told them to cancel this account and mailed the cut-up back to them.

Yesterday I received the enclosed letter from WF. They have transferred a balance of {$4800.00} WITHOUT MY KNOWLEDGE OR APPROVAL from XXXX to the account with them that I closed. This has broken up one credit card into two credit cards and does not serve any purpose for me other than now having to pay two monthly notes.

I am infuriated by the arrogance of WF. They did not contact me or notify me in any way that they were helping themselves to this amount of money. When I called yesterday a CSR for WF said I would have to contact XXXX about returned the funds. When I did so XXXX said, and it makes sense, that WF simply has to return the funds. 
I have spent the last two days on the phone with Wells Fargo trying to get this reversed. Today I spoke with a lady named XXXX in their executive office. Her English was so horrific that I barely understood what she was saying. Again I kept having disclosures and agreements thrown at me at the time I applied for the card despite the fact that I cancelled this card. She gave me a case number of XXXX, as best I could tell. 
I was aware that WF had been involved in shady dealings over the years, it made national news. But I never fathomed something as desperate as this. 
Finally XXXX deposited the {$4800.00} into my checking account. Today I am sending WF a check in this amount and demanding the account be closed. They are also trying to charge me {$140.00} for a transfer fee and under NO CIRCUMSTANCES will I pay this. 
Your help in this matter is most appreciated. It would seem that further investigations into Wells Fargo should be initiated. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name :, XXXX XXXX XXXX {$340.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX  XXXX XXXX {$2800.00} - - -No Data XXXX XXXX XXXX XXXX  XXXX {$4200.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$5000.00} - - -No Data XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} - XXXX -No Data XXXX XXXX XXXX XXXX XXXXXXXX {$2000.00} - - -No XXXX XXXX XXXX XXXX XXXX  XXXX {$10000.00} - - XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX {$0.00} - - -No Data XXXX & XXXX XXXX {$260.00} - - -No Data XXXX XXXX XXXX XXXX {$68.00} - - -No Data XXXX XXXX XXXX XXXX {$460.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data XXXX XXXX XXXX {$210.00} 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 know