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

I have notified the consumer reporting agencies XXXX, transunion, and XXXX of fraudulent accounts on my credit report resulting from identity theft and a data breach. pursuant to 15 U.S. Code 1681c2 ( section 605B ) which states that these accounts must be removed within 4 business days of date of receipt.They are still on my report and this affecting my livelihood. pursuant to 15 U.S. Code 1681c2 authority to rescind and/or decline ONLY applies if : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
This request was not given on the substance of any reason to decline or rescind as stated in 15 U.S. Code 1681c2. Also keep in mind that this request does not meet the requirements for you to decline or rescind.
Product: Checking or savings account

You had already made them give me my money back for the XXXX this time they took XXXX? Overdrafting my account {$500.00} this time. I just wan na point out that if they say, That they didnt have the new card to run the {$35.00} ( that we agreed upon from the very beginning and spoke about after they return those illegal withdrawals, many times, to continue my payment plan. But if they didnt have the new card number, then how did they withdraw a new amount? If they didnt have the new card to continue the payment plan. Id like to stop any payments with this collection company until they figure out how my cards being used on different dates. When you make a payment plan it withdraws each month on the same day. My payments were withdrawn multiple times each month on different days, never the same day! But payment say payments and purchases, say purchases they tried to pass off purchases as payments. Just want to point that out. As well as this has caused me homelessness because this is my debit card. I lost my job also because of trying to handle this unauthorized payment. And now theyve done this again during the time I dont have an any income. I am supposed to travel to XXXX different states for court and it has now hindered my ability to not only go back to North Carolina to renew my registration for my vehicle but I cant get things fixed on my car to get down there because this payment was taken out, I cant pay my car taxes because this payment was taken out and it takes too much time to return the money. Now this is both Wells Fargo allowing this payment when I havent authorized it. But also XXXX XXXX  so Wellsfargo should refund the money and ask them whats going on because they are allowing me to be targeted never had a problem before until XXXX XXXX and XXXX XXXX and XXXX XXXX stole my cards and allowed this along with the doj and fbi as a means to keep me homeless and car-less and jobless bc they are all going to prison and I have a enough cops to sue, do you really want me suing your company?
Product: Credit card or prepaid card

Hi, I have my bills online with my BestBuy / CitiBank Visa credit card. 

On XX/XX/XXXX, I happened to notice a reoccurring charge on the XX/XX/XXXX of each month. 
Just a line with XXXX. 
I could only go back 6 months online. 
It was there each month. 
I decided to click the charge to expand it so I could see what it actually was. 
It stated Credit Life Insurance Fee. 

I immediately called the Credit card company. 
I asked what is this charge on the XX/XX/XXXX of every month? 
I then asked how long this has been going on? 
She said since XX/XX/XXXX. Which is when I signed up for this card inside a BestBuy kiosk when purchasing an item. 

I let them know that I was extremely unhappy about this and that they need to cancel this Service immediately. They did. I also stated that I want to know the grand total they have ever charged me on my card for this service - that I did not sign up for or want. Then I want a complete refund. 
The person on the phone was XXXX. 
She said we might be able to give you a full or partial refund but it could take up to 30 days to review. 

In the meantime I researched online and saw that this same issue was national news a few years ago. The article stated that Citi was to pay back consumers {$700.00} million in refunds. 

I was never contacted bu Citi or BestBuy. 

I found the CFPB listed in an article for consumers to contact. 

Today, XX/XX/XXXX, I received a statement from BestBuy/Citibank. 

Simply stated that I purchased this on XX/XX/XXXX. Therefore no refund will be paid. 

They also did not provide what I asked for, which was how much much have they charged me in total? 

Can you please advise on how to get my money back? 

Extremely discouraging that even though they were ordered to repay consumers for the very same issue that I discovered on my card, and that I have been a stellar customer for them ... they did not act in a reputable way. 

Thanks, XXXX
Product: Debt collection

This location denied me service for when I was sick and now they add a random amount to my credit history. Ive never had bad marks on my credit reports and they never gave me a warning or explanation on why they are charging me.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo mortgage has acted in bad faith numerous times against me and my family. 
For starters, and while under Chapter XXXX protection in XX/XX/XXXX, we advised Wells Fargo that we intended to keep the property and it is our main residence ; in turn WF sent unidentified individuals to invade the property with the intention to break into the house and change the locks, which is their practice. One of them was caught peeping on my sister 's window which scared and terrorize her to the point of moving out, therefore increasing my financial burden as I became the only one paying for the mortgage. Not content with terrorizing my sister, they've sent another goon, few days later, only this time, I caught the guy climbing my backyard fence with some sort of weapon or prying tool in his hand ; he was forced under the threat of arrest to surrender the work document issued by WF ordering him to invade the property, even at the risk of injury or death. The third invader sent by WF was stopped in the driveway and he threatened me, I did called the police but the perpetrators always ran before the police arrived. That much stress has created XXXX on me, I can never feel safe on my house ( all my doors and windows have been blocked ) thanks to the WF mob. My most recent problem with WF was initiated by a letter requesting me to send a signed document to activate the Dodd-Frank bill which will  put {$5000.00} towards my principal ... As you can imagine WF has stalled and refused to apply any of the incentives, and they refused  to so today XX/XX/XXXX. WF has acted in bad faith from the start, and I am left with no choice but to sue them for bad faith practices against me, terrorizing my family and me and refusing to provide the relief that Dodd Frank  stipulates under the HAMP modification. I am no longer talking to the WF mob, these people are being sued nation wide for bad practices, and I refuse to become one of their victims, as far as I am concerned, I am suing Wells Fargo for damages, pain and suffering, XXXX  as a result of the violent encounters they initiated and I sincerely hope this gets a hold in the media, so they can be exposed, penalized and dissolved : Wells Fargo is the worst denominator of banking institutions, their mortgage division needs to be investigated and cleaned up. PS I know you WF operatives will receive a copy of this letter, your  mortgage division committed crimes against me and if you think sending me letters to state that you have done nothing wrong will clear you of any wrong doing, I have news for you, what you did to me and my family will not go uncontested, even if it takes 20 years, I will expose your criminal practices and I will fight you in court until you suffer enough financial pain for what you have done to my family and many other American families.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I informed XXXX, Transunion and XXXX  that the ( XXXX XXXX XXXX ) XXXX was reporting different across all three credit bureaus. 

XXXX and XXXX  said they verified this information as correct. 
Transunion never responded to my letter I sent. 

I want to remind you its the Credit bureaus responsibility to report 100 percent accurate on the consumer report, Please see the  variables below Date Opened : Transunion : XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  ; XX/XX/XXXX XXXX XXXX : Transunion : {$500.00} XXXX  {$0.00} XXXX  ; {$300.00} Last Reported : Transunion : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  ; XX/XX/XXXX Comments Transunion : Charged off as bad debt Purchased by another lender XXXX  Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX XXXX XXXX  ; Account transferred or sold Charged off account Date Last Active : Transunion : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  ; XX/XX/XXXX Date of Last Payment Transunion : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   ; XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Company : Western Union, Global Operations Contact at WU :  XXXX Date of cancellation by western union : XX/XX/XXXX Tracking # provided by WU : Your tracking number ( XXXX ) is : XXXX Currency Transfer Amount : USD XXXX XXXX rejected 4 times ) Rejected Recipient Name of my currency Transfer : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  of my Rejected Recipient : XXXX Overseas Bank XXXX XXXX XXXX XXXX XXXX I don't understand on what lawful basis my currency transfer is being rejected. I have been a regular and satisfied customer of Western Union since XXXX. Wester Union has never before rejected any transfer I have made. 
It appears that WU took exception to my recipient for some unknown reason.

WU customer agent sought and received additional information from me and my recipient and still they rejected him. 
My intended recipient XXXX XXXX is a friend of mine. I don't know on what lawful basis they rejected my money transfer to him.
Product: Credit reporting or other personal consumer reports

Good afternoon I call XXXX to report inquires that were made without my authorization. They agreed to remove the unlawful reporting. But they only remove one when in the phone I told them all the inquires. Please delete this unlawful information right away because is violation my right under FCRA Inquires dates and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account on my credit report from XXXX, reported delinquent in XXXX, XXXX. I have never opened this account.I have disputed this account with XXXX, XXXX, and XXXX   and it comes back verified. I have tried reaching out to XXXX and they tell me the account is too old to do anything about, and unless I have the account number they refuse to discuss it with me. The account had a balance of XXXX. After I disputed the account numerous times it now shows {$0.00} balance, but updates {$0.00} dollars with a derogratory statement on XXXX and XXXX   monthly. XXXX has a XXXX balance but havent updated since XXXX. I am so frustrated with this situation. XXXX is the worst, everytime I disputed the DOFD was updated until it now shows, XX/XX/XXXX. The other CRAs have the DOFD at XX/XX/XXXX. This is wrong and illegal. Please help me get this fraudulent account off all three CRAs.
Product: Credit reporting or other personal consumer reports

XXXX. This account is not mines. I asked them to validate the debt and they couldnt. I have no contract with XXXX collection agency. The statement received from XXXX lacks validated identifiable information such as but not limited to my name, account number, amount of debt and most of all my signed signature on any contract with XXXX or original alleged debtor. 

XXXX. This information is inaccurate. The request to validate this debt is not within the scope of the fair debt collection law. ( see attached Exhibit A ) In stead I was sent a type checklist of action they and alleged debtor created with checkmarks but lacks my signature and validation. ( See Exhibit B ) checklist from XXXX XXXX agency. I contacted XXXX and informed them of this, and they said this is all they were given. This checklist. They could not provide a contract with my signature. 
XXXX. In according with XXXX XXXX Validation of debt requires the RMS must give the original contract with copy of the debt with their company name on it. 
XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. I never had a debt with an alleged debtor. I had a federal student loan while attending school. This student loan was forgiven by the Federal government as part of the Total and XXXX XXXX XXXX XXXX XXXX  ) see attached C Effective XXXX XXXX, XXXX as I became XXXX by the XXXX XXXX XXXX XXXX 

XXXX. The loan holder did not follow the guidelines as outlined by the Department of Education in which created this debt. ( see Exhibit D to report all loans ). 

XXXX. The Department of Education discharge approved XXXX effective XX/XX/XXXX. To take effect retro on my XXXX date XXXX. XXXX, XXXX, is the effective date of the determination by the Department XXXX XXXX XXXX due to service connected XXXX. ( See Exhibit XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a dispute on the reporting of XXXX XXXX  account # XXXX stating that the dates were inaccurate. I feel they didn't do a proper investigation because they have the open date as XX/XX/XXXX and said that was verified how is that possible when I have the date showing XX/XX/2018. This is causing me stress because it just seems like their process is hopeless
Product: Credit card

I went to the dentist office office for dental XXXX  and regular checkup XXXX - XX/XX/XXXX. My insurance had changed since I had gotten married and did not have the same benefits from the previous one. In any event, I was told that I had to pay out of pocket because services I needed was not covered through my new dental coverage. The dentist office ( XXXX XXXX dental ) offered me a line of credit which was called synchrony bank, who will not charge me any interests for 2 yrs and I can pay off whatever services I needed done for the future. I accepted because for one I was in extreme XXXX, and desperate for the health of my XXXX. The dental office would not go further in services had they not receive some sort of payment. The services I needed done at that time was not done right away and were services that needed to be done over a period of time because my gums needed to heal and specific materials needed to be made before being inserted into my mouth. Needless to say, I contacted my dental insurance to question why I was paying so much after a couple of visits to the office only to find out that services were in fact covered and what was not covered fully, was not as expensive as the dentist office tried to charge me out of pocket. So I did not proceed with the services and instead red flagged the doctor 's office to my dental insurance ( XXXX XXXX  ) that I was being frauded for out of pocket services and they overturned their payments stating that the dental office could not provide adequate reasoning for why they had overcharged me in the first place. And I let synchrony bank know as well but to no avail will they believe me but instead keep having me make disputes. I've made several disputes after they keep declining me because they said that the doctor 's office did do the services but was not smart enough to contact my dental insurance to see if this is true or not. I've sent documentation to prove services were not done and as I am typing this letter, I still have not had the services done. I need XXXX XXXX  and my teeth have not been protected since then and we are now in XXXX! What sense does this make? Why won't they contact my insurance company to backup my evidence? Synchrony would rather hold a debt over my head rather than take away the charges for services that was not rendered.
Product: Credit reporting or other personal consumer reports

This company as a furnisher and a repository has been given ample opportunity to correct all data on the credit report concerning student loans. They were given identity theft reports and there also has been affidavits filed with XXXX stating the same measure. What this may come down to is the securities fraud that they may be acting in as they have been warned several times that they have no consent to continue on the path they are own. I've asked them to produce the original contract and security agreement. They have yet to do that. I also sent them an invoice and Now I will start reaching out to the IRS and The S.E.C. for all of the Breach that has continued.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX, XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

Ordered sofa on XXXX using Venmo with buyer protection, seller kept {$310.00} of my refund. Contacted Venmo several times and they keep giving me the runaround and are making me wait for my full refund. The buyer protection charge seems like a money grab and they make it difficult and time consuming to get your money back
Product: Student loan

I contacted Navinet to advised them they are incorrectly reporting I have had 2 missed payments. Student loans were on a pause by the Federal government under the Covid 19 relief for federal student loans and will continue through XX/XX/2022. Due to this federal law rights under the Fair Debt Collection Protection Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) has been violated under 15 U.S.C 1692e and if not corrected immediately, legal action will follow. Please expedite the request
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX XXXX Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} {$6300.00}