23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am not sure who this company is I never signed any loan and pay agreements with this company. I never even received anything in the mail prior to this account being put on my credit report and a debt or a charge off. XXXX has violated my rights by not sending proper documentation via mail not giving me an opportunity to dispute debt. I never received written notification of debt via mail. And this is a Fair Credit Report violation. 1006.34 Notice for validation of debts. This company never mailed or sent me anything. I will be contacting an attorney in regards ti this company. Nothing only did this company damage my credit rating this company did not follow the guidelines of the Fair Credit reporting Act. TransUnion is at fault as well for allowing this company to report false inaccurate information. I will be filing a complaint with the state of California and the state of Georgia. You will be hearing from my attorney. I am going to sue you for several Fait Credit reporting violations. Each violation is worth {$1500.00} and you committed at least three ( 3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX
Product: Bank account or service

I am on social security. I get my funds via a direct express card that SS insisted I use. I get no bank statements as they cost money I do not have. I called direct express the automated line to see why I had no money left. I ended up talking to a very helpful clerk who very patiently found 3 problems on my account. 1 XXXX company 's were continuing charging me when I had cancelled the services 3 days after signing up on line. So at first the clerk thought we were just dealing with a one month issue.however she took it upon herself to check back and it turns out they have been charging for services I have not received .I had cancelled The clerk opened two tracking numbers then had to cancel them and finially told me to just write it up and send to them. And I need to get the cancellation date and the confirmation number as well. Ok I have done that I have been cking monthly with direct express. What I was told today after I had given them my SS birthdate address phone number to the XXXX person I talked .this had to be done everytime. So why am I not recueving any notification in these as to what 's happening? 2 I was told it was past time they were all closed and I could only go forward with the XXXX charge as I waited to long to do anything. All three company 's started this charging in XXXX. The rep and I on the very first one filed for all XXXX comoanys. And it took me too long times up but wo n't tell me the required time frame which does not matter as they were all done at same time. Now I have already called merchant got can date and conf number and sent to direct express but it 's not I. There notes sorry. Therefore I did n't do it so I ca n't appeal them. This over XXXX dollarrs I 'm being overcharged for service I did n't receive. Now direct wants one paper for each charge this is lydicrous. Rent to own.XXXX and XXXX. Details XXXX said free credit report but was XXXX for one mo then XXXX and XXXX monthly if I happened to spend myoney b4 they got they would n't get for that Mon I opened on XXXX XXXX-cancelled XXXX/XXXX/XXXX with XXXX XXXX number XXXX XXXX XXXX XXXX XXXX. Charged XXXX XXXX,XX/XX/XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX. Rent to own said would have house rto but they only had foreclosures.opened XXXX XXXX cancelled XXXX/XXXX/XXXX conf XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX opened XXXX XXXX, cancelled XXXX XXXX XXXX. XXXX XXXX XXXX. Banks track number last XXXX,. I now pay for my Mon statement. How many ither XXXX seniors r getting ripped off as well. I just want ant my money back that 's all.is that too much to ask.
Product: Debt collection

XXXX is trying to collect on a debt that was previously being collected on by TRS. I submitted a police report and FTC Affidavit to TRS before they submitted this out to this other collection company
Product: Checking or savings account

My Comerica bank account was drained of {$64000.00} from a company name strike. This occurred in the span of XXXX weeks. At first strike started taking small amounts of money out of my bank, which I did not notice. Then when I made large deposits into my Comerica checking account strike started to slowly debit all the money that is in the account. I tried to reach out to strike but to no avail they did not respond. I contacted Comerica to do a fraud claim on those transactions which were not authorized by me. I never gave strike permission to debit all those high dollar amounts of my checking account. The XXXX doing my Comerica account is name XXXX XXXX. He said that strike provided documents that I opened an account with them and that the transactions were signed off by me. I told him no I did not. I have an account with strike but at no point in time did I gave them permission to take {$64000.00} out of my checking account. I tried to reach out to strike but they wont respond to me and their customer service phone number does not work. Just because I have a strike account that I open a while ago does not mean I ever gave them permission to take my funds. Comerica closed down my banking relation and denied my claim for the money that was taken from me.
Product: Checking or savings account

On XX/XX/2024 I withdrew a small amount from my checking account via a bank machine at my local branch at Chase in XXXXXXXX XXXX When I got home some 10 mins later I received an email asking to confirm if I requested a new debit card. I called immediately to say NO. The rep said that after review, he thinks that the bank was doing due diligence and sending me a new debit card since mine will expire in XXXX of XXXX. This didn't sound right but I went along with the official bank decision. Following this notice, I received several other emails asking for me to confirm if I was in FL attempting to withdraw larger amounts such as {$4200.00} and then {$4800.00}. I kept calling saying NO it was not me but nevertheless the bank went ahead and released the money. During one of my calls, I was advised that the new bank debit card sent to FL was used to make these transactions. I subsequently called numerous times to get this straightened out and I changed all the cards and pin numbers. I also filed a police report and the Detective at XXXX XXXX in XXXX XXXX advised that most likely a skimming device was installed at the branch 's machines. 

Just when I thought after two weeks of constant calls to Chase this issue was resolved and my account would be credit some XXXX dollars I received another letter saying that the bank will once again take this money out of my account as their investigation showed that my card with a chip was used so therefore I must have been involved in these withdrawals in FL thousand of miles away from where I was!! 

I called the main bank number ( XXXX XXXXXXXX ) to file a complaint and to inform them that rather than talking to nummmmerous agents it would have been easier for me if they had a better system so that a global review team had my case so that I didn't have the run around that I was put through, but instead the woman rep said that she couldn't explain to me that all was done and then she hung up!! My other point is that if I wasn't an XXXX with mastery of XXXX XXXX and didn't wear XXXX XXXXXXXX like my XXXXXXXX XXXX does, I would have been out of {$9600.00}. What if I had XXXXXXXX XXXX and this was all the money that I had in my checking account, but no one wanted to listen. I had to wait until Chase did they due diligence for over two weeks and I still don't know if my money will be returned to me permanently. AWFUL service and trickery for the custodians of my hard earned dollars.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, GA XXXX XXXX XX/XX/year> Apple : Goldman Sachs Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Subject : Request for Debt Validation Dear Apple I am writing to formally request validation of the debt associated with my account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I have received communication regarding this matter and would like to exercise my right to request detailed information about the debt you claim I owe. 

Please provide the following information : 1. The total amount of the alleged debt.

2. The name of the original creditor and the nature of the debt.

3. A copy of any agreement or contract that demonstrates my obligation to pay this debt.

4. Documentation that proves you have the authority to collect this debt.

5. A complete account history, including the dates when the debt was incurred and any payments that have been made. 

Additionally, please halt all collection activities until you have provided the requested validation. If you are unable to furnish the necessary information, please consider this debt disputed and remove any negative reporting associated with it from my credit report. 

I appreciate your prompt attention to this matter. Please send the requested information to my mailing address listed above. Thank you for your cooperation.
Product: Bank account or service

This is additional information about case # XXXX cfpb emailed me that it has received a response from Wells Fargo National Financial Bank. If so I have been unable to read WFNFB 's response on your website. Nor can I get through to you by phone. WFNFB has never responded to me concerning my complaint except by XXXX meaningless letter. It has never provided me with a telephone number or an email address so that we can communicate. It is the most secretive, unresponsive organization that I have ever encountered. I have also filed a complaint with the XXXX asking that no late fees ever be charged to me and a fine in the form of an abatement of any amounts due to the bank. Dealing with WFNFB is light dealing with the XXXX. Since I am unable to reach you by phone, perhaps you could call me at XXXX and read to me the bank 's response
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report, and to this date, they have not responded. I am requesting that Experian correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor 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 {$20000.00} Please remove it from my credit report.
Product: Credit reporting

To whom it may concern : I am writing because under my credit report, I am reported as married to XXXX. I am not married and this is an error, as I was married to this person but the marriage was annulled due to fraud. I need my report to show my accurate marriage status, which is single. 

Also, I legally changed my name because the credit reporting agencies continued to link my accounts with those of my mother 's and sisters but now it seems they are mixing up my names. I was born, XXXX XXXX, my mother later XXXX by adding her last name, changing it to XXXX XXXX. Due to all the issues with our linking accounts I removed my mothers last name and changed my first name. My legal name is XXXX XXXX, and I need my report to report the correct information under my legal name and not past ones, that I no longer use. The XXXX report shows my previous name as XXXX XXXX, but my XXXX XXXX report only shows XXXX XXXX under my names used in the past and I am very concerned that since the reports provide different information, when they show my past names, that they think they are dealing with XXXX or XXXX different people. Thank you for your attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed the following medical collection account on my XXXX, EXPERIAN AND XXXX XXXX credit report : XXXX XXXX XXXX XXXX for {$990.00} This account was previously listed, and disputed, under a different company called XXXX XXXX ( see attachment ). I previously disputed ownership of that account and no valid documentary evidence was provided. If the credit reporting agencies have received NEW documentary evidence that reflects a valid debt I now owe this company with transaction history amounting to {$990.00} made between me and XXXX XXXX XXXX, please provide me with such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2021 I had a credit card with XXXX, the account was supposed to be closed with no harm to my credit report however that wasn't accurate and they marked it as delinquent eve though they utilized account to approve unforseen fees. I asked if it was taken of my report they said yes however it wasnt
Product: Checking or savings account

On XX/XX/XXXX Chime closed my account with over XXXX dollars in my checking account and would not allow me to withdrawal my funds citing that I violated the deposit account agreement. I explained to the merchant that I needed access to my funds to pay for my medical treatment on Monday XX/XX/XXXX in numerous emails in addition to car repairs and they simply responded back with automated responses. I also called to update my mailing address with Chime and they updated my mailing address incorrectly. I emailed them the correct mailing address several times and they responded back by saying they would mail the funds in my account to the incorrect address in 30 days. This is mental abuse as they are aware that I need these funds for medical treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Information Solutions, Inc. 
XXXX XXXX XXXX. 
XXXX XXXX, California XXXX Reference : Report # XXXX ( I HAVE PROVIDED IRREFUTABLE EVIDENCES TO EXPERIAN THAT THIS SHOULD BE REMOVED. COLLECTION AGENCY TELLS THEM NOT DELETE IT SO IT REMAINS ON MY HISTORY. THIS LETTER SHOWS WHAT I PROVIDED THAT EXPERIAN STILL IGNORES. I AM TOLD THE COLLECTION AGANCY TOLD THEM THE COLLECTION WAS VALID AND EXPERIAN LEAVES IT ON MY HISTORY. i HAVE REQUESTED A FULL COPY OF MY FILE AND EXPERIAN REFUSES TO SEND IT TO ME. I HAVE REQUESTED A DEBT VALIDATION AND VERIFICATION FROM EXPERIAN AN THE I C SYSTEMS AND NEITH WILL SEND IT TO ME. ) Subject : UNFAIR HEARING ON MY DISPUTE BY EXPERIAN Action Needed : IMMEDIATE REMOVAL OF UNWARRANTED COLLECTION FROM MY CREDIT HISTORY. 
Furnisher of Unwarranted Collection : XXXX XXXX XXXX XXXXXXXX on behalf of XXXX XXXX, {$900.00} 1. Exhibit 1 Credit Report with Collection Inf0ormation REASONS FOR REMOVAL : I disputed this collection item with Experian on XX/XX/XXXX. 
2. Exhibit 2 My dispute letter with verification documents sent to Experian. 
a. Attachment 1 Copy of my check # XXXX in the amount of {$200.00} to XXXX XXXX dropped through the mail slot in the door of the office dated XX/XX/XXXX. 
b. Attachment 2 - Copy of Life Storage email acknowledging my payment dated XX/XX/XXXX. 
c. Attachment 3 - Life storage receipt for my payment dated XX/XX/XXXX. 
d. Attachment 4 - Bank statement verifying XXXX XXXX cashed my check # XXXX. 
e. Attachment 5 - Copy of my check # XXXX in the amount of {$57.00} XXXX {$13.00} for additional rental payment and {$44.00} in late fees the manager refused to waive ) to XXXX XXXX paid to the office manager dated XX/XX/XXXX. I gave my move out notice to the manager before handing over this check. 
f. Attachment 6 - Bank statement verifying XXXX XXXX cashed my check # XXXX. 
g. Additional Information : i. Attachment 7 Email from XXXX XXXX ii. Attachment 8 - LatXXXX Notice from XXXX XXXX. My response to XXXX XXXX dropped through mail slot in the door of the office dated XX/XX/XXXX. XXXX. 

XXXX XXXX XXXX
Product: Debt collection

I have made numerous attempts requesting the validation of the debt. I have requested in writing ( since XX/XX/XXXX ) to the collection agency and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed.
Product: Debt collection

I was arrested for XXXX health and my income tax check came up missing from my bank and money has been spent out of my savings for someone else 's benefit
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit card

I tried to use my credit card to pay for my home heating fuel oil bill at XXXX XXXX. My card was denied as it would not authorize. I called the number ron my credit card and they told me that XXXX XXXX was using XXXX  as the payment processor. They said that they had a disagreement with XXXX  and were not accepting credit card processing from them. I asked how I could pay this ND they told me that I could not use their credit card to make the payment at XXXX XXXX. They provided no alternative like providing me a bank check. I asked why they did not inform me if this prior to trying to use my card and they had no answer as to why they did not notify card holders.
Product: Debt collection

Hello this account was either drop from my credit report or discharge in bankruptcy I have not had a light bill in my name in ages this is fraud. 


XXXX XXXX XXXX Original creditor : XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

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 has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Ally Auto Loan, Mortgage, XXXX XXXX XXXX, Personal Information
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX 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 XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/23 three ( 3 ) charges to XXXX XXXX posted to my account in the amount of {$1000.00} and I used the card in a way that earns 2 % cash back. Each transaction should have earned {$20.00} in cash back. However, only 2 of the transactions were paid out for. I submitted a complaint to them about it and they sent me some generic email detailing how they were paid, but in their own email, it shows only 2 of them were paid out. I am owed additional cash back and the company is refusing to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened the account. I have asked on several occasions for proof of signature for the account. I had someone living with me that stole my ID and opened accounts I tried to clear this up over the years with company, but they refuse to respond to me and have damaged my credit for years causing higher interest rates for me so a service that I never received. In 5 years, I have NEVER been given the proof of my signature never given details of what services I supposedly got or why I owe this debt. I want it removed. I'm tired of the damage to my credit for a fraudulent account. I feel like i need to get lawyer to sue for damages for the higher interests I have had to pay over last 5 years.