23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I got a notice yesterday that a hard inquiry hit my credit report and I have not applied for a new line of credit. The retailer is XXXX and Ive reached out and reported the fraud. What i find odd is that they used my info to open the card but my mothers email address for the acct. idk whats going on. ( I know my mom didnt do this bc shes not sketchy ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau keep disrespecting the laws. I showed them multiple times of how they are violating the FCRA. 
They are not doing a full investigation, i asked for investigation and description of investigation according to 15 usc168i7 and they never provided it ( over 60 days ago ) Also according to 15 usc1681 s2 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 tgat the information is inaccurate This is violation after violation causing me to stress because i have no hope with this system In accordance with the Fair Credit Reporting act. accounts below has violated my federally protected consumer rights to accurately report information 15 USC 1681. Account : XXXX Account number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States In accordance with the irs/fcr canceled debts ( charge off ) is gross or ordinary income Income does not get reported on my consumer report Which makes the charge off an inaccurate report 15usc 1681e ( b ) 15usc1681 s2 XXXX  has written it off as a lost and can no longer collect from me As defined by the IRS you must Report canceled that as gross as income on tax return and use a 1099c The IRS clearly defined charge off as gross or ordinary income. income does not get reported on consumer report which in fact makes you reporting on this account in accurate! Also see law 15 USC 1681 s-2 its requied you follow this law after investigation 15usc1681i, i have already contacted this company and they have not properly investigated this matter 15usc1681n My next step will be to collect monetary relief for this crime
Product: Debt collection

I sent this below letter to : JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, MN XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a breach of more than 143 million Americans personal information, including mine, earlier this month ( XX/XX/XXXX). To this date, I never been notified by the company that my information has been put at risk. The only reason I know about the breach is through news reports, and the only reason I know my information may be part of Equifax 's data breach is because I entered my SSN on their website as prompted to do so when trying to find out if I was affected and was informed I potentially was. I was then prompted to take steps to have Equifax send me an email to freeze my credit which has been nonexistent, like everything else with this company.
Last Saturday, XX/XX/XXXX, I contacted Equifax via email per instructions on their website to put a freeze on my credit and have yet to hear anything from the company. No email, no letter, no phone call. Nothing. I even contacted the company a second time this week ( XX/XX/XXXX) to no avail, which is completely unacceptable. If Equifax was trying to collect a payment from me, they would have no problem contacting me. Multiple times in a day, I am sure. But now that they comprised my personal information, putting my financial profile at risk, they are silent and I have no recourse? How can that be possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XXXX 2022 I filed a dispute of inaccurate information under section 608 -612 of the FCA . On or around completion XX/XX/2022. I received an email from XXXX, XXXX and Trans Union stating that information was added and staying on my report without it accurate information according to the FCA section 608 as well as adding deleted information that has also not been required by the FCA I am writing this report because I feel multiple things on my credit report is incorrect and has not been thoroughly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX 's website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/XX/XXXX '' ).
Product: Checking or savings account

On XX/XX/2018 I put my debit card in the ATM machine at Chase Bank at XXXX XXXX XXXX XXXX. XXXX, TX XXXX ... .I did a cash withdrawl for {$300.00} ... ..I was charged a {$3.00} free and the ATM did not dispense the cash and also debited the amount from my bank account..The door did not open and I did not get a receipt ... .It is on camera ... I tried to speak with the manager and all he told me was to dispute it eith XXXX XXXX  ... .I feel that machine should have been taken out od service ... .Now I am being inconvenienced by having to file a dispute and being told I cant even grt a refund for possibly 90 days by XXXX XXXX because it has to be investigated ...
Product: Bank account or service

I tried to apply for account with XXXX XXXX. I was declined because Equifax XXXX for being a victim of fraud in the past. Unfortunately, there is no way to dispute or get removed from this XXXX. Equifax maintains and sells this XXXX ( of all past victims ) because it considers them guilty and part of the problem. I have several banks reject me similarly because of this blacklist in the past. I filed complaints ( eg Case number : XXXX XXXX, however, Equifax refused to remove me from XXXX. Equifax is acting as an underground court deciding who is criminal and who is not. Equifax is not a court of law and is not authorized by any govt agency to assume all victims of fraudulent transactions as criminals.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 card or prepaid card

On approximately XX/XX/XXXX I went to make a purchase at the XXXX near my home. I was asked to confirm my mailing address. I was told the address I provided was incorrect. I was then asked to provide other identifying information, which I did. I was then advised that the address on file was listed as XXXX XXXX XXXX XXXX in XXXX, XXXX which, oddly enough, is my ex-wife 's address. 

I then went home and contacted Wells Fargo to change the address and ask why they would have my ex-wife 's address in the first place, as I had never provided this to them ... nor had she. In addition, I have never contacted XXXX 's requesting a change of address. 

They did say they would change the address to the correct one, which is XXXX XXXX XXXX. XXXX ( XXXX XXXX ) XXXX, XXXX. They also said that they had received notice from the United States postal service for a change of address for my mail, which I found odd as I am still recieving all my other mail. Sure enough, I also received information from my daughter that my XXXX 's bill had been arriving at her mother 's address and that they had been returning it to the Post Office. 

I contacted the US Postal Service, as suggested by the Wells Fargo representative, and they said they had no record of a change of address. I then followed on by opening a case with the US Post Office Investigations department, Case ID : XXXX. 

I also filed a formnal complaint with Wells Fargo, case id # XXXX. I was then contacted by the person assigned to this matter, XXXX XXXX, who said that she had investigated the matter and that a change of address due to returned mail had been recieved from the Post Office in XX/XX/XXXX. ( which would have been my ex-wife returning the mail ). But, this never occured, because the address had not been changed on XX/XX/XXXX. When I asked about this, I was told that the matter had been resolved. 

I mentioned that, in my mind, the matter had noit been resolved whatsoever and asked that I be provided with the documentation from the post office. I also asked how Wells Fargo had recieved my ex-wife 's address again and attempted to explain that the issue was not with the change of address back to the correct one, but the change of address to the incorrect one.  She said this is not the matter that she was investigating. She also said that she could not provide any additional information, nor documentation, as there was none to provide. When I asked, then, how she recieved the address from the Post Office she said, there is no information to provide and this matter is resolved. 

So, I hung up and called the executive branch of Wells Fargo Customer Service, who re-opened the case and re-assigned it to XXXX XXXX. 

A similar thing had happened in XX/XX/XXXX, when I attempted to obtain information by using the account number on my card. I was told that I had been upgraded to an " elite '' card and that this had been mailed to my address on file weeks earlier, although I had never received it.
Product: Debt collection

I was XXXX  into a lease reneweal after undergoing XXXX XXXX  notices, for not renewing their leasing terms. Which in return I was XXXX into signing a new lease in which 30 days later I was XXXX to move and was XXXX with a XXXX debt owed when I have not stayed at the property for that long.
Product: Checking or savings account

XX/XX/2023 I deposited a payroll check via mobile app to Chase Bank. The check has been on hold since and my account is restricted from deposits and withdrawals. Multiple deposits are now in limbo because of their error.
Product: Credit reporting or other personal consumer reports

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And 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. These accounts XXXX XXXX XXXX XXXX XXXXXXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX is an internet communications company that at the time was the only provider on the base Im stationed at. 

Never did I sign an agreement, agree to any specific terms other than a fixed rate internet plan. 

They are attempting to charge me for one month of an internet service I have never used and never signed any document about. One that I have tried to rationally discuss with them, and have been continuously mistreated. I have been disrespected and mistreated by their customer service. 

I received equipment and didnt set it up, due to moving, and tried using their customer service to return it. 

Repeatedly they were extremely unprofessional, hard to deal with and wasted hours of my time. Hanging up on me multiple times. 

I had to go in person just to get the equipment returned, a note was put in by a kind employee who said the charge would most likely be removed. Upon returning the equipment to a store in person, I was told that the equipment fee was waived. 

They continued to harass me with further emails and calls stating I owe them for a month of internet. My attempts to contact were in vane. They continued to harass me while at work. A company Im forced to use on a military base because XXXX XXXX XXXX military has gone out of its way to misuse and harass me. Even attempting to interrupt my work. 

Theyve now sent this imaginary debt to a collection agency, refusing to let me represent myself or justify my situation. 

I would happily bring them to court and set a precedent if needed because this is not right in any way, and I would imagine some people would know its completely wrong and just pay this aggressive unreasonable company. Their customer service takes hours to use and gets you nowhere. 

This company doesnt treat you like a person or attempt to assist you. The customer service team is in another country, and has a list of automated responses. They dont have supervision to route to, they simply humiliate and waste time, while this company does whatever it wants unchecked. I was forced to use this service until I moved.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX, I made a transfer of {$1900.00} to a personal account in my name in XXXX. This amount did not arrive in my account, nor was it refunded to my originating account. Sendwave 's customer service has been terrible regarding this issue, and they are telling me that there was a technical error with the transfer, but so far they have not refunded the amount to my account. Through exchanges, they have already confirmed that the amount is with them and that indeed there was an error at the time of the transfer. They are holding my {$1900.00} and are not giving me any updates on the refund. There is a transfer receipt, but the money was not delivered to my account and they are aware of this.
Product: Debt collection

Company is fraudulently reporting a debt taht does not belong to me. This company is in numerous of violations of my consumer rights I've attached my affivadavit below in this complaint listing all violations
Product: Credit reporting, credit repair services, or other personal consumer reports

When i had recently checked my credit report and found several inquires on my credit report that I did not do. I immediately called the said companies that had reported unauthorized inquires and they all told me I needed to contact the credit buraus. I called all three and were told there was nothing they could do and to contact the companies even though i had told them i already did. I then sent detailed letters to the buraus with proper identifations and have not this has not yet been resolved. I request all of these unauthorized inquires be removed from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX 2023
Product: Debt collection

I asked them several times to stop communicating with me about any debt owed and they sent repeated emails and text messages about several different debts. They say I owed but failed to send me a response after I asked them for detailed billing and verification of the debt. And XXXX of the debts they say I owe they have my last name as something completely different from what it actually is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX Experian, XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXt date opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company listed below went into my credit file without authorization. I contacted the company and spoke with a representative and explained that I did not apply for credit with their business. I shared that there were 7 hard knocks on my credit file ( with XXXX and XXXX. ) In addition, there are 10 or more hard knocks with XXXX. Nevertheless, they have fail to removed any of this information. Your help is much needed!!!! 

Chase Bank USA. NA XXXX XXXX XXXX XXXX XXXX, DE Telephone Number ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing this letter to file a complaint against Wise.com. The XXXX of XXXX Wise.com closed my account without any warning or notification. Although I accept the closure of my account, I strongly request the return of my funds of around XXXX XXXX 

I was shocked by the sudden closure of my account, especially without any prior warning or notification. Additionally, I had no idea what terms and conditions I had violated. I had always complied with the platform 's rules and regulations. 

Therefore, I am writing to request your intervention in this matter. I believe that Wise.com should be held accountable for their actions and should return my funds. I kindly request your assistance in resolving this issue as soon as possible. 

As stated, my account with wise can remain closed. I only want my funds out. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit card

The information on my credit card was changed without my permission. I did not personally update the account information, or give anyone permission to change the account information.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, around XXXXXXXX XXXX  in the morning, two men arrived at your residence on XXXX XXXX in XXXX, Texas. They claimed to be repossession agents from a company called XXXX XXXX and stated that they were there at my House to take my XXXX XXXX XXXX XXXX Truck due to an alleged repossession order from a company I never heard of named Loan Mart in California. 

Despite my peacefully objection, protests and insistence that I owned the vehicle outright and had no knowledge of any loan or title lien against it, the men proceeded to hook up my truck for removal. I mentioned feeling threatened as they appeared to have guns visible on their waistlines. 

After this unlawful repossession took place, I contacted the local police department in XXXX for assistance. However, they informed me that it was a civil matter and declined to get involved at first. 

Feeling distressed by the situation and experiencing financial losses due to the unauthorized seizure of my vehicle, I am seeking intervention from the Consumer Financial Protection Bureau to investigate the matter and ensure that my consumer rights are upheld. If XXXX XXXX and Loan Mart do not return my truck promptly, I plan to pursue legal action against them. 

I have filed a police report with XXXX XXXX XXXX ( report number XXXX ) I can email XXXX to intend to obtain a copy of this report within five business days following XX/XX/XXXX.