23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern : In a recent evaluation of my credit on XXXX/XXXX/XXXX, it has come to my attention that XXXX XXXX XXXX XXXX negative reports were filed on my report. According to the reports I have reviewed, the reports were filed in XXXX by a " XXXX '' on behalf of " XXXX XXXX XXXX '' and a collection agency " MIRAMED REVENUE GROUP '' on behalf of a " XXXX ''. In further research of the alleged collections, XXXX XXXX has numerous complaints of other false collections under investigation. Miramed Revenue Group appears to have mistakenly filed the same collection twice which has further damaged my credit unnecessarily and also reported inconsistent reports with different agencies bringing their entire credibility as an accurate reporting entity into question. 
Finally, it is my assertion that XXXX agencies ( and therefore all the negative reports ) are completely fabricated, fraudulent, or otherwise false. Whatever the case may be, rest assured that I in no way agreed to or had knowledge of either Miramed Revenue Group OR XXXX XXXX XXXX, XXXX or XXXX. 
These collections were all filed without my knowledge and devoid of any warning from any of the above entities. I have, by certified mail, notified Each of the above collection agencies, all XXXX credit, submitted an official complaint with the Consumer Financial Protection Bureau in hopes of immediate resolve. I am also notifying the office of XXXX XXXX, the United States Treasurer and the Illinois XXXX in hopes of further oversight in debt collection practices. 
I am not alone in what appears to be a growing list of victims in my community and in across the country and I demand these records be completely removed so I can benefit from the advantages I deserve as someone who made the decision to never utilize their credit at all. I am simply attempting to start the process to own my own home and these, false reports stand in my way of that human need. 
I am looking forward to your response!
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2024 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

Wellfargo closed my accounts after more than 20 years in service with that company, the reason is that i am high risk customer because over several months i cashed some third party check from same company which i had an agreement which. 
We run a small convenience store and cross street from us there is a scrap yards company that dispense check to customers so we had an agreement with that company that allow me to cash check for their customer since some of those customer do not have id or do not want to drive all away downtown to the bank or avoid high cash checking fee. 
so over more than eight months we have cashing that company checks over XXXX checks free when customer buy something from store. 
We apply for check cashing licence with XXXX but because of the volume of checks cashed which is less than XXXX a week banks refused to open us a money service account. 
I was surprise when the bank send me a letter closing all my account and holding a large amount of money from my saving account saying that i can not cash a third party check without going thru the process of cash checking. 
I contacted the financial manager of the recycling company so he can clarify the issue but wellfargo refused to speak to him. i tried 3 ways phone call they still refused to speaking to him saying that they can not speak to third party. 
I am very desperate right now, i falling on rent, store supply low, behind on employers wages.. 
wellfargo want us to bring all the individual with name on check to the bank with their id to confirm that its ok for us to cash their check and if they actually received money from us they know i am not able to do that there more than XXXX checks. all they should do is to contact the issuer of the check and the recycling company to verify if i am allow to cash their company checks please help. 
thanks
Product: Checking or savings account

I have reported to Wells Fargo that 5 unauthorized charges were taken out from my account without authorization. They keep saying that unfortunately they will not refund me the 2 out of the 5 transactions that were taking out. I made the claim online and they did not return the full amount. I have decided to close my account because of numerous fraudulent complaints that have been taken from my account and all Wells Fargo has to say is that unfortunately they can't return my money.
Product: Credit reporting or other personal consumer reports

These are the accounts that I remarked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want reported accounts removed.
Product: Credit reporting or other personal consumer reports

I was told by Capital One, supposedly an employee my card was hacked by a XXXX company for {$14000.00} and I need to buy gift certificates to correct this problem. I am quite sure I am being scammed. The so called Co. rep is calling from XXXX ( XXXX ). can you help me determine if it is a Scam?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I am filing a complaint against Cash App regarding an unauthorized transaction that took place on Saturday, XX/XX/year>, resulting in a loss of {$1500.00} from my account. Despite following the proper dispute process, Cash App has wrongfully denied my claim, stating that I authorized the payment, which is incorrect. 

Steps I Took to Resolve the Issue : 1. Filed a dispute with my bank I reported the transaction as unauthorized and requested an investigation.

2. Contacted Cash App support I formally disputed the charge through their support system, providing all available details and requesting a reversal.

3. Submitted supporting evidence I provided relevant details to both my bank and Cash App to demonstrate that this transaction was fraudulent. 

Important Details About the Unauthorized Transaction : This transaction was not made from my primary device and was instead processed through another device that I did not authorize for use with my account. 
I did not approve this transaction, nor did I provide consent for anyone else to access my Cash App account. 
I have taken steps to secure my account, including changing my password and reviewing my login history. 

Issues with Cash Apps Response : Cash App dismissed my dispute without conducting a thorough investigation. 
They failed to provide adequate reasoning or evidence supporting their decision to deny my claim. 
They did not offer any meaningful resolution or further steps I could take to escalate the matter.
Product: Credit reporting or other personal consumer reports

Upon a recent review of my Consumer Reports I observed that for my account with XXXX XXXX XXXXXXXX XXXX XXXX a late payment is being reflected in XX/XX/2022. 
I have never submitted a late payment for this account : Name : XXXX XXXX XXXX/ XXXX XXXX Account Number : XXXX Consumer Reporting Agencies have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. According to 15 USC 1681i ( 5 ) the credit agencies are required to modify any and all accounts that are not reporting correctly. 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.

This account currently reflects several reporting inconsistencies and inaccuracies across the three credit bureaus ( XXXX, TransUnion, and XXXX ). For this reason I am requesting an investigation and verifiable proof ( with statements ) that a late payment was made on this account. If proof can not be provided, I demand this LATE payment status be corrected and updated to accurately reflect that an ON TIME payment was made for XX/XX/2022. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, Transunion and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate demand to remove all disputed inaccurate accounts and home addresses as listed from my credit report and ensure that your systems maintain the correct information. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX Acct # : XXXX - Amount : {$21000.00} XXXX XXXX XXXX Acct # : XXXX - {$1200.00} XXXX XXXX Acct # : XXXX - {$350.00} XXXX XXXX XXXX Acct # : XXXX - {$350.00} XXXX  Acct # : XXXX - {$1400.00} XXXX Acct # : XXXX - {$620.00} XXXX XXXX Acct # : XXXX - {$300.00} Incorrect Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX:XXXXXXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX. 
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Account charged off. {$670.00} written off. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$540.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$330.00} Status Collection account. {$330.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} Status Collection account. {$6.00} XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$790.00} Status Account charged off. {$790.00} written off. {$790.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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: Credit card

On XXXX XXXX a fradulent amount of {$35000.00} was charged to my Bank of America credit card and transferred to a bank by the name of XXXX bank by a criminal. I called by credit card company to report this fradulent activity. I fear that my bank account information and identity has been compromised this is the second time this month some theif has goe into XXXX separate account of mine and my wifes. Can someone please investigate this incident. My statement from Bank of American showed that {$35000.00} dollars had been transferred to someone 's bank account at XXXX Bank, I called XXXX bank and they would not give me any information. Please investigate who this criminal perpetrator is and who has stolen my personal account information???
Product: Debt or credit management

I do not have any loans that have gone to collections and I've told them that in the past. I check my credit report several times a year and still do not have any loans or anything in collections. Midland Credit Management still calls me several times daily for collections accounts that do not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CHEMICAL BANK - XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authori zation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Prepaid card

I purchased two gift cards for {$500.00} each, upon trying to use the cards they did not work. I contacted XXXX ( incomm ) to have the cards replaced and they sent two cards that also did not work. I've exhausted efforts to resolve with them directly. The cards were purchased on XXXX and XXXX. I requested replacement cards on XXXX and received two cards that also do not work on XXXX
Product: Checking or savings account

On XX/XX/2018 I dropped off a XXXX foot boat with a XXXX XXXX XXXX to XXXX XXXX to have the idea issue repaired. XXXX indicated that the electric primer was the problem and it was dumping fuel into the carburetors. They replaced tis item and also did work on all four carburetors. XXXX did call and explained what they found and I indicated that if thats the issue with the idle then repair the problem. The bill was {$900.00} for replacing the needle valves and seats in all carburetors, the fuel enrichment solenoid ( primer ), clean and adjust all carburetors. Then they stated they set the idle. 
I picked up the boat on XX/XX/XXXX and when I took the boat out to use the motor would not idle at all. I called and indicated the problem and XXXX agreed to look at the boat and motor again. I was insistent that when finished that we take the boat out on the water with the mechanic to test ride the boat. This is because they could not solve the problem the first time and its not an unreasonable request to insure a motor is functioning properly. Wilsons would not do a in water test. When XXXX called me back they stated that the problem is there is a lack of fuel coming from the tank because the primer bulb was collapsing when the motor was running. I told them to take an air line and test the fuel line. They stated they can not because of a one-way valve in the line. I told then to take XXXX valve out and check it then. They refused to do any more work on the boat. 
I ended up taking the boat to a friend of a gentleman that I work with to have the problem fixed. This was strictly a cash transaction and I trusted my friend and the person who worked and eventually fixed the problem. 
There was no fuel delivery issue, as the next mechanic stated if there was all that fuel coming out of the carburetors as XXXX indicated how could the flow be restricted. What he also found was the needle valves and seats where from the wrong outboard no mine, they had to be replaced with OEM parts. The primer solenoid or enrichment solenoid as XXXX called it was not the issue either. The mechanic tested the old part and it worked fine. 
So I called my bank and filled a dispute Because I have an issue with the quality of goods or services provided by XXXX XXXX. XXXX, they put parts into the motor that did not need replacing. This only added to the bill. Finally, they refused to water test the engine. The motor will run differently out of the water as apposed to sitting in the water. The outboard needs to draw water up into the motor to cool it off, this puts a load on the engine and the idle and carburetors must be adjusted to account for this. XXXX never did this and refused to do so. There is and never has been a fuel delivery issue. The primer bulb can be squeezed and will recover properly. I can take a picture of a collapsed primer bulb and state the same thing that XXXX did. It proved only that the primer bulb XXXX if it was even mine ) was collapsed at a single instance in time. Not on going as they state. 
XXXX over charged, fraudulent charged for services and parts that were not needed.
Product: Debt collection

I'm not sure if this is the correct agency to report my grievance. I've received XXXX notices of debt collection. The lender was XXXX XXXX and they sent it to Jefferson Capital Systems LLC. for collection. I have submitted an ID theft report to XXXX. I had to file and pick a police report as well. Today when I updated my ID thieft report through XXXX. I received an automated response. ( I also have a credit lock in place ) Here is part of what was sent to me : How to XXXX. 
Shop for your items and add them to your cart just like you normally would. When you are ready to checkout, simply select XXXX as your payment method. Youll need to provide some basic information like your mobile number and the last XXXX digits of your social security number to apply. If youre approved, finish checking out and youre done. XXXX simple steps to experience XXXX 's XXXX! 

XXXX and your Credit. 
XXXX commits to a refreshingly surprise-free, clear handling of your credit! Here is what you can expect when you apply : Verify your identity and determine your eligibility with a soft credit inquiry ; a soft credit inquiry does NOT affect your credit score!

US-Customers : NO hard inquiry, at any time, for any loan! 
CAD-Customers : Yes hard inquiries are done for all loans. 

No it's up to me to spend my time to prove this was not my transactions. Thankfully, it has not posted to my credit report yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXr # XXXX, XXXX XXXX # XXXX, XXXX XXXXt # 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: Credit reporting, credit repair services, or other personal consumer reports

Ok so on XXXX I sent all 3 bureaus about some of the unknown and inaccurate things on my credit report. I can't even believe it but it's been well over 30 days and honestly about 60 DAYS NOW AND I HAVENT GOTTEN A RESPONSE OF MY DISPUTE AT ALL! I even sent a second dispute letter that is notarized just in case they didn't think it was me! I don't like being taken advantage of but by ignoring my disputes that's exactly what's going on here! I have called and nobody even has a confirmation number for me! Section 611 ( a ) states that a failure to investigate disputed items within 30 days gives a reason to immediately remove those items from my credit report and it has been about 60 days so they should be deleted promptly. I demand that the accounts are deleted expeditiously or I will have to file for litigation due to the stress you have caused me and my family. My info definitely got impacted by the data breach at Equifax! Please note that it may be in other hands!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX  to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Student loan

I am currently XXXX of age and took out my first student loan when I was XXXX XXXX XXXX. I had some financial struggles as most people do and got behind. I rehabilitated and got back on my feet, then got XXXX and have been ill on and off. I am currently back in school again attempting to complete my XXXX XXXX. Over the past almost 30 years my student loans have been bought and sold numerous times. I have seen my amount owed increase drastically. There are a few errors on my credit with all XXXX credit agencies showing I owe a larger balance than I do. Also, there are duplications of the same amount and then some on my credit reports. I currently have my deferred student loan with Dept of Ed/XXXX. I still show my balance increasing and then a different loan amount added to my credit.