23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had over {$20000.00} in my wells fargo account XX/XX/2022 Monday morning. I woke up Tuesday XX/XX/XXXX with numerous charges that drained almost {$10000.00} from my bank account. I called Wells Fargo and had it marked fraudulent. They canceled my debit card and are sending a new one. Wednesday morning I woke up and over {$7000.00} more was taken from my account. Over 2 days all of my savings have been wiped out. You figure as I NEVER spend money like that the bank would stop authorizing charges how could they even let someone drain 95 % of an account in 2 days without as little as a phone call???? I'm freaking out and don't know what happened. There is about 40 to 50 charges from " XXXX XXXX XXXX '' and " XXXX XXXX '' each for {$200.00} to {$300.00} I have used XXXX  app in the past. After reporting to the bank I have restored my phone, changed my XXXX, and all my passwords. Deleted all of these apps and changed my passwords. I don't know what to do and feel like someone just took everything from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion because I have recently discovered fraudulent inquires on my Transunion credit profile. I told them I have officially filed a police report and I would like them removed from my account. The agent told me they can not do that because they have to have proof of my police report and I have to send a copy of my SSN. I refuse to send a copy of my SSN over mail. I dont know why anybody would recommend that. They also said I have no choice but to contact the bank and get a deletion letter explaining to Transunion that it was fraudulent activity. When I contact the institutions, they say they can not provide it and to contact the bureau. Its just an infinite loop leading to nowhere. It is against the law for a credit report agency to force me to be responsible for correcting inaccurate fraudulent activity on my report. I would like my fraudulent inquires to be removed or else I will be contacting an attorney, because these inquires are affecting my ability to get a mortgage loan and other loan products.
Product: Debt collection

Midland Funding LLC is fraudulently reporting a collection account to my credit report. I have never requested or obtained credit from XXXX XXXX XXXX, XXXX, or any factoring company. I am not liable for any debt to Midland Funding LLC, XXXX ( South Dakota ), XXXX XXXX, or any factoring company. I have NEVER received credit, nor do I have an account ending in XXXX from XXXX ( South Dakota ), XXXX, therefore I 'm not responsible for any debt. I have disputed this fraudulent claim with Midland Funding LLC directly as well as all Credit Bureaus and they still are reporting to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. I initially reached out to CONTRACT CALLERS INC to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX, and my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My date of birth is XXXXAs a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), CONTRACT CALLERS INC is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, CONTRACT CALLERS INC must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that CONTRACT CALLERS INC will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account # XXXX XXXX XXXX XXXX  ), Account # XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXXXXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

THERE HAS NOT BEEN ANY PROOF FROM THE FURNISHER THAT THESE COLLECTIONS BELONG ME TO. IF THERE IS, I NEED TO SEE THE PROOF IN WRITING.

Dept of Education XXXX does not have anything in writing with MY PERMISSION to anything on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. XXXX XXXX XXXXBalance : {$0.00}, CAPITAL XXXX XXXX Balance : {$0.00}, CAPITAL XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, XXXX, beneficiary, and Executor of the XXXX XXXX XXXX ESTATE have been seeking immediate action from the Fiducairy Trustees and Data Custodians over the inaccurate and unauthorized consumer reporting of accounts, false and misleading information, obligations, and transactions ; Breach of privacy on the Estate and defamation of character has occurred by actions taken or not taken. Trustees are currently acting in a malfeasant way and are in breach of Trust and fiduciary duty by said actions. 

The XXXX XXXX XXXX XXXX have failed to adequately remedy or investigate the matter under equity.
Product: Debt collection

Im not liable with this debt with central portfolio cont. I do not have any contracts with them and had asked them to send me the original application like I asked and they did not send any. There are 2 accounts on my credit reports from them in the amounts of {$5600.00} and XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$0.00XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$280.00} XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX  - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XXXX XXXX I mailed a letter to Williams & Fudge informing them of the charge off they listed through XXXX. Williams & Fudge provided a deceptive document to verify the alleged debt which is violating me as a consumer.
Product: Prepaid card

I purchased an American Express Business gift card in a group of cards, {$1000.00} increments, in XXXX of 2021. I went to use my card on XX/XX/XXXX and it was declined. I had never even opened the envelope before trying to use it. I called customer service and they said I needed to email them a copy of the card, my drivers license and a copy of the invoice to XXXX. I did that on XX/XX/XXXX. They said I would be contacted within XXXX to XXXX hours, I never was. I called back and they said I needed to email the same information to XXXX, I did, and got no response or call back. I called back and they put me on hold and said yes we received your emails but it's taking more time to investigate for me to call back in 2 days. I did and got the same answer, XXXX more times.
Product: Debt collection

I m currently working with customer legal group to help resolve my debit when I received this warrant of debt in the mail. I have notified customer legal group at XXXX about this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union and XXXX are reporting my XXXX XXXX XXXX  mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, XXXX  XXXX XXXX offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that XXXX XXXX XXXX is in violation of the CARES Mortgage Forbearance Act while not not allow lenders to adversely report mortgages as negative while in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an account by I C System with something placed for collection on about XX/XX/2022. I have contacted them already that obviously the account is not mind and has had no verification whatsoever that the account belongs to me. This is negatively impacted my credit score and ability to buy a home.
Product: Checking or savings account

On XX/XX/XXXX I request a investigation of unauthorized transaction to Discover Bank for the amount of {$810.00}. I sent to them prove documentation over fax three days later that they request by mail letter. they promise to investigate and refund my money. Today XX/XX/XXXX I return a phone call to know the latest for my case. Now they change the history they ca n't do anything.I have in my power all the papers and fax confirmation that I sent to them.
Product: Student loan

I filed Bankruptcy XXXX XXXX XXXX and both times they refused to input Navient in the XXXX... I can not afford to pay the hight interest on this loan.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, at around XXXX am, using my debit card and at the same Citi Bank ATM that I have withdraw before I requested {$300.00}. Everything appears to be normal except at the end did not provide me with the money or receipt. My Bank accounts reflects a {$300.00} debit that did not happen.

Citi Bank staff informed to get in touch with my Bank debit card. I have done that. And I was told to wait 15 days. In the meantime my card although its pin number works my financial institution doesn't release any more money is like being frozen.

I tried to inform the Citi Bank of their ATM malfunction but the manager doesn't reply phone calls and yesterday I tried to visit her in person and she was uncooperative, impolite and nasty. 
Bank located at XXXX XXXX XXXX XXXX XXXX Managers name XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history with all ACCOUNTS and all payments were placed on XXXX. These late payments which became result as charge off that is reporting is a result on a systematic error on their end processing my payment. These was clearly a billing error made within the companies and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family.

I asked multiple times for the late payment reported in ALL MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late, and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer Update and delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX : XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX Inquiries : 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 IN XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/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

Returned my XXXX truck back to dealership and they sent me a bill for over {$2000.00} dollars. I have sent them several validation notices as I want to know a breakdown of these monies and what it entails and have no responded. Now they have charged it off and sent it to a collections company negatively impacting my credit.
Product: Credit reporting

most of the personal information on my report does not belong to me, addreses..n listed are totally unfamiliar to me my credit report is full of innacuracies to many to list here, please investigated all the addresses listed in my report as the greatt t mayoroty the not belong to me and is afecting my score, thank you for any you can provide. XXXX.
Product: Debt collection

XXXX XXXX received us mail from credit collection services stating I owe XXXX XXXX {$140.00} for a policy I cancelled on XX/XX/XXXX. 
I have documents proving policy was cancelled effective XX/XX/XXXX signed by agent.. 
Emailed the document to local agent. 
Contacted local agent they stated the would stop the collection. 
I have email correspondence to the same. 

Received a text in early XX/XX/XXXX stating I still owe. 
Contacted local XXXX agent again and they stated they would take care of it. 

XX/XX/XXXX received another us mail stating I owe XXXX
Product: Debt collection

I was served with a complaint from XXXX XXXX who purchased a past debt from XXXX XXXX XXXX in mid to late XX/XX/2017. I called the company and asked if they were willing to accept a lower amount in full and settle out of court. The company representative refused to offer any discount and said it was against policy even though it clearly states in the complaint that they were willing to accept a discounted amount. I was then told that if I paid them I would not have to respond to the complaint in court and that it would be dismissed completely 10 days after the payment was confirmed. I saw no other option and asked for a letter for proof of our agreement. I did not receive this letter until 10 days later and it did not state everything that was agreed to, instead it was a generic billing invoice. I immediately called and and again attempted to receive a lower settlement amount due to my financial stress. I was denied. I then called again and confirmed that if I paid the debt on the website that I would 1. not owe any further money and 2. that my lawsuit would be dismissed. I asked for a timeline for when it would be removed from my credit and was refused an answer. I saw no other option as my time to respond was quickly approaching and I paid the full amount owed and waited. I then saw that the company rearranged what was owed so that a new balance of XXXX dollars remained. I called and I asked to be transferred to the attorney and was told that they were not allowed to per company policy they had to transfer me to another representative who might then transfer me to the attorney. After being transferred again I requested to speak to the attorney and after several refusals I was transferred. I did not get to speak to an attorney however and was transferred to the voicemail. I left my contact information and did not receive a call back. I was repeatedly reassured that my my case would be dismissed and that my account was completely paid off and would with time reflect the paid amount and be closed. I called again 10 days later when when the payment had posted and was told that the account was paid off and closed. I then checked saw that neither promise was kept. I am now hung up on and repeatedly transferred with no help.
Product: Debt collection

XXXX XXXX called my presonal line then my work # stating to call XXXX and reference case XXXX that action will be taken against me. They should not be allowed to call my work number
Product: Debt collection

I received a call on my cell phone where a person was looking for my brother. The person indicated that the petitioner was filing something against my brother. That person provided a phone number XXXX and indicated this was a notice. I called the number it was listed to XXXX. I spoke to a man his last name was XXXX. I informed him I was calling behind a phone call I received for my brother. XXXX indicated could not provided me with detailed information but indicated was filing a complaint in XXXX County court for criminal actions against my brother and threatened a body attachment. He indicated that my brother used me as a referenced informed him I knew nothing about what he was talking about ; he furthermore indicated that it was in regards to monetary issues concerning my brother owed. Informed him thatI was his sister and that my brother was grown my brother has not lived with me in years and I had not spoke to my brother in months. XXXX proceeded in telling me that since I was used as a reference that I could be summoned to court. I was able to reach my brother to tell him to call these people however I called XXXX back to ask where they were based out of and male indicated New York and they were arbitrators and not bill collectors. I have worked litigation before I have never known an arbitrator to release any information to a XXXX party and place a threat of a body attachment when initially processing a court proceeding.