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

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX  Experian XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  XXXX, XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting or other personal consumer reports

Iam writing to file a complaint regarding inaccurate items on my credit report that was still reported in despite of my previous ( 2 ) request and kindly request your assistance in getting them to removed. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I demand an immediate removal of this violation and compensation for the damages caused and thorough investigation into this violation and appropriate remedies as per the law. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These Charge Offs, Accounts Included in Bankruptcy, and Public Record should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are still On my credit report. You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. Kindly provide me with substantiating documentation that unequivocally confirms the validity of the account in question on my credit report, while ensuring that my rights have not been flagrantly violated. In the absence of such compelling evidence, I insist on an immediate eradication of this detrimental data. 
Unless you can promptly furnish me with convincing documentation that definitively affirms the legitimacy of including the following account on my credit report and guarantees the inviolability of my rights, I vehemently demand the expeditious removal of this deleterious information. - Thoroughly and diligently investigate the inclusion of these accounts on my credit report, and present me with irrefutable documentation that unquestionably validates its presence and unequivocally assures the preservation of my rights. Should you fail to produce such compelling evidence, I insist on the immediate and unequivocal removal of this unlawfully reported information. These mentioned accounts with no balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These charge offs account on my credit report, despite having a XXXX balance, is causing excessive distress and severely tarnishing my credit score. I demand that you take immediate and decisive action to thoroughly investigate and expunge the charge off status, thereby ensuring the accuracy and currency of my credit report.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I have viewed my credit report and realized there are accounts that are reporting inaccurate, nor does it belong to me. I have listed in the report below information of all accounts that were not authorized by me and need to be removed urgently. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible. 
I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$590.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$1500.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$580.00} Account Name : XXXXXXXX XXXX Account number : XXXX Account was open : XX/XX/XXXX Account Balance : {$1800.00} Hard Inquiries Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX My current home address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The addresses reported in my report are incorrect, do not belong to me and need to be removed from my credit report as soon as possible. 
Addresses Reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute XXXX hard inquires that were not mine on my credit report. I have contacted the financial institutions that have pulled my credit and they investigated the issue. They sent the results of their investigation to the credit reporting to remove the hard inquires. XXXX XXXX and XX/XX/XXXXhave removed them but Equifax has not. I sent a request along documents that prove the inquires were a result of fraud. Equifax has not removed them and I have been told they are unable to.
Product: Debt collection

Complaint filed with you for a debt on XX/XX/XXXX. I received a letter from Transworld Systems Inc in response. Stating to send them a full police report, also register with identitytheft.gov. I did these, I also submitted copies of my paychecks for the time I was supposedly living in XXXX and this debt was incurred.I work in XXXX and have for 8 years now. Never been to XXXX. 
I was given a name in their letter of XXXX XXXX, I have left numerous voicemails for her, and called the complaint line. I have not received anything back. I have called her at least XXXX time and left voice mails. 
All the information plus my pay stubs we mailed to them on XX/XX/XXXX. Registered mail, they were received and signed for on XX/XX/XXXX at XXXX. 
I have not heard anything and want this removed from my credit report.
Product: Credit card

I found out from Experian that XXXX XXXX XXXX reported : XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX XXXX XXXX as my address. I never lived in that address and dont recognize that address. XXXX XXXX is not willing to take care of this issue. I would like Experian to remove that from my credit report.
Product: Credit card

Best Egg and its member banks XXXX XXXX XXXX XXXX XXXX that try to masquerade as financial institutions- decreed that merchant disputes pursuant were all now simply too silly- and that federal law stating A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. really means that the designee or obligor are now first required to violently assault the police and whomever else necessary both for XXXX XXXX  and to prove they are truly serious that they wanted the goods delivered in accordance to agreement. Best Egg- now realizing it is truly a XXXX  XXXX XXXX  rather than a financial institution - then criminally conspired with an XXXX XXXX who was found to feloniously commit credit card fraud against another national bank- to forge and falsify bank records in order to steal money from XXXX people - people who should just be lucky theyre not swinging from trees like XXXX- and who simply forget XXXX can do whatever they want against XXXX XXXXXXXX XXXX- according to the criminal mob Best Egg- are the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that can do no wrong- and we XXXX are required to give all our money to them and never ever demand we get the services we paid for. All Best Egg has to do now is bribe who they think are the right regulators to evade federal law.
Product: Vehicle loan or lease

Debt is XX/XX/2014 {$13000.00} auto loan AutoTrakk the debt truly is between XXXX XXXX and auto trakk. Neither company communicated to one another about the debt. Leaving the debt continued late payments to leave me credit reputation and payment history damaged.
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. 


FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/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 reporting, credit repair services, or other personal consumer reports

Ally Financial had agreed to take off all 5 late fee 's ... 
On my XXXX and XXXX I am being hit with 5 late fee 's which there customer service at Ally Financial agreed to take off. 


They agreed To Take off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been making all my payments.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a call from who I though was our XXXX XXXX ( XXXXXXXX XXXX XXXX ). They confirmed account numbers, service address and names on the billing statement. They stated there was a billing issue and they had changed platforms for billpay and our utility bill had been coming out on the old platform and not the new one so they were contacting me to see why I had not called them to set up payment through the new bill pay platform. This has happened with another utility company in the area - changing billing platforms. So this seemed legit and also because they had my account number, address and both my name and my husbands name on the account. 

The customer service rep stated that we could go through XXXX in order to use billpay through Wells Fargo and walked me through setting up the account - when they gave me the number for the transfer it popped up as XXXXXXXX XXXX XXXXXXXX and they gave me reference numbers and work order numbers. 
I had to complete two transactions - 1 to take care of the bill for XXXX and the second was an amount to initiate the billpay. They gave me a reference number and said to call the utility company tomorrow and confirm payment went through and they would refund the deposit amount back to my account. 

I called my utility company the next day and provided the information and they stated that they had multiple people calling about this issue and it was actually fraudulent and that they were not sure how the scammers had gotten all of the information they had but recommended I contact my bank Wells Fargo to report the fraudulent transaction I called and spoke with customer service for Fraud through XXXX. They took all this same information and said they would take up to 10 business days to check that it was fraudulent and refund the money back to me. They stated that misleading charges would be taken care of. 
I called twice to check on the status of the claim and they stated they needed more time to look into the issue. I called again on XX/XX/XXXX and was told that they were not able to refund any money because they actually do not stand behind the XXXX money transfer program through their app and bank. That they do not have a customer gurantee to back anything through this app and since they could not track the fraud through their app they wouldnt be able to get the money back for the bank so they were going to deny my claim. I asked why they didnt disclose this when I filed the claim and she said they only will support transactions they can get the money back from. 
I feel that this is very misleading. Other money transfer and pay options like XXXX will always stand behind their customer and I have had purchases that were fraudulent that XXXX has backed up 100 %. I have been a loyal customer of Wells Fargo for years and they are encouraging the use of a program that they do not stand behind. 

Transactions Through XXXX - XX/XX/XXXX {$130.00} Wells Fargo Reference Number for Claim : XXXX Wells Fargo Reference number for claim : XXXX for {$360.00} on XX/XX/XXXX Thank you.
Product: Checking or savings account

I tried to deposit {$3000.00} in ATM, because of chase system failure, atm took my money and didn't credit my account, I filed a claim to get my money back on XX/XX/XXXX. There has been a lot of stress anxiously waiting for the money, chase back didn't credit my account until XX/XX/XXXX. I asked the bank to compensate me for 16 days of extra waiting, chase told me yesterday they don't compensate anything, is this legal not to compensate anything for their system failure and hold my money as long as they want to? 

It seems like the bank deliberately want to hold my money for XXXX business days until the last day to return the money back to me, since I received a call from chase banker on XX/XX/XXXX telling me the money was found in the ATM and he said it was going back to my account on XXXX afternoon, but I don't get the money until a week later. Chase sent me a letter later saying they failed to deposit the money on XXXX without explaining why.
Product: Student loan

I have sent a letter to Capital Management Services LP to not contact me in any form. They are not allowed to call me on any phone as they have contacted me at my place of employment multiple times. Today they called me from XXXX. They are not allowed to contact me at any number and I already filed a complaint this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to OldNavy store manager of the store apply to their credit card for me but when I realized that their going to make a hurt inquire to my credit score I told to her to take it off right away that I dont want to lose my points on my score. And the lady canceled that application right away but hurt inquire happened and I lost my 4 points of my credit score. Today Im trying to get back my points because the request for credit card didnt go through because I canceled.
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 15USC 1681. 

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 XXXX XXXX : # XXXX XXXX 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.

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 record 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

I have disputed an account XXXX and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with {$5400.00} as closed balance, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with {$2100.00} as closed balance, XXXX XXXX AND XXXX opened on XX/XX/XXXX with {$2300.00} as closed balanceXXXX XXXX XXXX opened XX/XX/XXXX with {$12000.00} as closed balance, XXXX XXXX  opened on XX/XX/XXXX with {$8500.00} as closed balance, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX {$12000.00} as closed balance, XXXX BANK XXXX opened XX/XX/XXXX XXXX {$5900.00} XXXX closed balance, XXXX XXXX XXXX with original creditor XXXX XXXX XXXX Bank as collection with {$900.00} XXXX closed balance, XXXX XXXX opened XX/XX/XXXX with {$900.00} as XXXX XXXX, XXXX XXXX XXXX opened XX/XX/XXXX with {$3200.00} XXXX XXXX XXXX and an Auto-Loan with XXXX XXXX  XXXX XXXX with {$86000.00} as closed balance XXXX 

These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported ( ). The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of a police report with report # XXXX and an FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I took out student loans they became due for payment in 2009 I have never made apayment the statute of limitations for collecting on a debt in California is 4 years it has now been 8 years and now they want to collect. This is a violation of FDCP rules
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX a 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 . 

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 or other personal consumer reports

XXXX XXXX {$140.00} CCS Collections {$77.00} CCS Collections {$270.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX- I have never had an account with XXXX XXXX . This is a debt collection agency that is reporting the wrong debt, This does not belong to me. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company and got no reply or more than one occasion. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX I have disputed with this company because they are reporting the wrong dates. This is account is over 7 years ole which means it should not be reporting to my credit according to law. 

XX/XX/XXXX XXXX XXXX XXXX-This is a fraudulent account. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company. This debt DOES NOT belong me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy on my credit report an it has been discharged for over 5 years. I am a XXXX veteran and a single mother of XXXX wonderful and intelligent children ( one in college ) with no financial assistance from anyone. I am asking that you please remove this from my credit report. I have attached a copy of my discharge information to this letter.
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : 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: Prepaid card

There are ( 2 ) transactions that I have been disputing for the last 8-9 months. On XX/XX/XXXX for {$140.00} and XX/XX/XXXX for {$1500.00}. Understanding that the transactions are quite old, I was making payments on a vacation package that was scheduled for XX/XX/XXXX. On XX/XX/XXXX, the merchant XXXX XXXX, cancelled the event. 

I have called and emailed the merchant with no response. They have since filed for Bankruptcy. 

I have reached out to CashApp filing several claims siting Non-Receipt of Goods or Services. Each claim has been denied within less than 24 hours stating that no error has occurred, despite all of the evidence that I have presented to them.

I paid for this vacation using ( 3 ) different financial institutions and have received my money back from the other two - XXXX and XXXX. Having provided them with the same documentation as I have CashApp.