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

I am a victim of identity theft I have an FTC report I called the credit bureaus numerous times to get these accounts deleted because they are reporting inaccuracies and fraudulent accounts. I never gave a written consent to any consumer reporting agency to report anything on my consumer report is finalize my rights as a federal protected consumer. 

Convergent outsourcing 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 made a $ XXXX principal payment on my mortgage in 2019. Wells Fargo has done creative accounting and failed to credit my account for the proper amount paid. Instead they continued to charge my interest on the high balance. I have complained several times and then they tried to fix the issues, but continues to do creative accounting. To date I still have not received money back for interest paid nor is my balance fixed. They claim the money was used to pay taxes or insurance, which the $ XXXX was only to go towards the principal amount. This is not the first time Wells Fargo has done creative accounting on my account. I keep paying and my balance is hardly ever lower in the past 15 years. Forensic accounting needs to be done on my account and Wells Fargo should have to pay a penalty for doing this! If I am not pursuing this, Wells Fargo would get away with this fraud!!!!
Product: Checking or savings account

On XX/XX/2023, I order two items on XXXX, A motor scooter for the amount of {$1000.00} and the protection XXXX for the amount of {$130.00}. 
On XX/XX/2023 I decide to cancel the order, without succeed, therefore I start a dispute thru my bank. My bank credit me the money until the dispute was resolve. 
I got in contact with XXXX and they inform me that I need to close the dispute for them to refund my money, what I did. I never receive any information or state of the dispute, but because I have the money I thou that everything was ok. 
On XX/XX/2023 I saw the withdraw of the {$1000.00} and {$130.00} from my account again, for what I got in contact with my bank, they told me XXXX was having the money, call XXXX and they say they never receive the money, after going back and forth for I don't know how many times and couple a day, the Bank told me that my debit card visa was the one holding the money, that they will release from XXXX to 45 days, they give me XXXX numbers to give to XXXX so they can ask for the payment, when I told them that XXXX already send me the confirmation of the dispute on my favor. Why they want to keep my money
Product: Credit reporting or other personal consumer reports

I want Equifax to fix my personal information and SSN. My personal information is incorrect, I can not get my credit report because Every-time I enter my SSN its invalid I have mailed you my information over a month and the issue is still not fixed. This is holding me back because I can not get my business done because most companies are pulling my report from Equifax and its coming back unknown please get it fixed. When I call Im not getting to anyone because they can not verify my identity
Product: Credit reporting or other personal consumer reports

I have credit card statements, bank statements, and other evidence I need to include and dispute with XXXX XXXX, XXXX, and other credit card companies I need to add to my reports at XXXX, XXXX, and Equifax. I have more than half of payments not recorded by these banks and these credit reporting companies are protecting them by not allowing me to submit my proof! 
My comments are not being allowed to publish, the so called Legislature Alerts are bogus. 

I want the ability to DISPUTE THESE LIES ABOUT ME RUINING MY LIFE! 

I'm able to upload only a few of the many I found!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 10 months I have sent in disputes, disputing the negative items on my credit report as of todays date the only thing that was postive done on my credit report was that XXXX removed the bankruptcy from my credit report Eperian and XXXX have not removed the bankruptcy nor have they made any major change on my credit report.My personal information is STILL INCORRECT AND THERE ARE STILL INACCURATES ON MY CREDT REPORT!! All 3 credit bureaus ARE in violation of FCRA -FAIR CREDIT REPORTING ACT, MYname is incorrect see : social security card! this my last attempt for all 3 credit bureaus to correct and delete all items from my credit that I attached with this complaint if not I will consult an lawyer and file a law suit see : attachment!
Product: Debt collection

I received one mysterious email from IC system to click on a link regarding a debt. The link didn't work and I assumed it was spam or a scam. They sent another. Same thing. The below information is all I have so number. Nothing in the mail, nothing tangible and no calls. This company is either a scam or if legit not handling things properly. It says a XXXX account yet I have not had XXXX since switching services last XXXX of 2021 and my bill was paid in full and I have an email from the escalation team bringing my balance to XXXX. Even when I called them the number always states nobody is available. 

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Product: Credit reporting or other personal consumer reports

I want capital one to reduce the amount owed and report it to the credit bureau the correct amount. The fact that they have refused to acknowledge my payment and report accurately is a violation of my rights 15 U.S.C 1681 The fair credit reporting act finds them committing several violations. XXXX dollars was paid towards a balance. The representative saw the proof that i submitted in the last complaint and has decided to ignore this and it is against the law stated above. So I demand cooperation from capital one or I will seek compensation for the violations Especially my credit score dropping XXXX points for their illegal actions against my credit worthiness at the very bottom of the picture proof attachment you see the payment of XXXX dollars was received
Product: Debt collection

I was notified with a phone call from XXXX bank about a debt for a credit card for XXXX dollars on XX/XX/22 and I have never had a credit card from them I checked my credit report on XX/XX/22 and seen where they have reported me in collection for the money I told them that they gave the card to someone over the internet and it wasnt me my house at XXXX XXXX XXXX XXXX Mississippi XXXX was broken in a few years back and I have been having problems ever since with people opening accounts in my name they stole all my personal checks and information so they have my address and social security number and all and it seems like ever year I have to fight to keep my name and credit current
Product: Money transfer, virtual currency, or money service

A couple years ago I used Zelle and got scammed and sent someone {$400.00}. I called Zelle and explained to them that I have been scammed and they said that there was nothing they can do about it. I never got a refund and they never fixed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom this may concern, According to your company ; a Bankruptcy record with case number : XXXX, was reported on my consumer credit report. Your company indicates that the furnisher or supplier of this reporting to your company is XXXX as indicated in a recent dispute investigation that I have attached to this complaint. I must remind you any reporting on the consumer report must be accurately reported within the compliance of the FCRA and the creditors or furnishers of the consumer report data must not contain missing, fraudulent or inaccurate info. I had previously disputed inaccurate info related to the public record XXXX with your company on multiple occasions ; and in your past responses you clarified that the Bankruptcy was verified by the furnisher ( XXXX ). I have attached documentation verifying that your recent investigation results in response to my dispute for confirmation # XXXX ; that was submitted to your company on XX/XX/XXXX ; is falsified by your company and or in error. Your company claimed on the investigation document attached that the account was verified to be accurate by a company that has no record of the Public record XXXX in question prior to the dispute filed on XX/XX/XXXX. Therefore your response to my dispute regarding this record and your response to verifying the info as accurate was a clear violation of the federal law, and the fair credit reporting act. So either your company lied or knowingly falsified verified information. I must also state that that XXXX also indicated that the public record was comfirmed reported unaccrate according to their report as indicated in attatchment here. This verification you used does not comply with the FCRA 611 ( 15 U.S.C 1681 ) and the public record must be deleted or removed from the consumer report according to FCRA Code for XXXX if needed : XXXX Birthday is XX/XX/XXXX Name is XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX mi XXXX
Product: Debt collection

I have been trying to contact this collection agency for the past two weeks. They do not answer their phones neither answer e-mails. I just filed bankruptcy and I need to let them know my case number. Please help me to contact this collection agency. This agency is holding my debt from HSBC/XXXX Credit Card. ( They have not tried to contact me, you just do n't have an option for my problem )
Product: Credit card or prepaid card

In 2020 Wells Fargo had to change our account number for fraudulent XXXX charges. It started all over again and for months I have called and sent 2 certified letters to have them stop these changes. I also sent a certified letter to XXXX no one will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had to visit the emergency room at XXXX XXXX Hospital. I am a veteran with health coverage under the Department of Veterans Affairs. XXXX XXXX XXXX XXXX failed to submit a proper claim pursuant to XXXX to the Department of Veterans Affairs within the 90 day time limit.They filed a claim with the wrong party XXXX and got a denial of cliam.They then directed their agent XXXX XXXX XXXX. to pursue collections activities against me in the amount of {$1000.00}. I have attempted to resolve this matter with both entities with no results. Inaccurate and negative information has been placed on my credit report affecting my credit score, which has affected my insurance rates etc.
Product: Student loan

I went through a divorce 15 years ago. I was struggling to save my property, I contacted Navient, who advised me to miss 3 payments. I am ashamed of myself for not doing more homework and not contacting a financial consultant. I already had a low self esteem. They took advantage of me. I put my loans off for a year. I have never missed a payment and I am in good standings. I will never be able to pay my loans off. I am a teacher in a low income/minority district. The Department of Education encouraged me to file many forms with Navient to have some of my loans dismissed or reduced. Navient rejected my forms saying that my loan is to old. Through this process again I was misled and with every call was given different information. It was difficult to understand the english of the individuals I was talking with and it was difficult for them to understand me. I was always read a script, there was a time that I could rehearse it. The phone calls were very discouraging, always being placed on hold and difficult to get through and when you do, no one could comprehend each other. At one time I was told why would you apply for the ten year pay off plan, you can have it paid by then, but I ca n't. I truly feel that they rejected me from financial services because I am paying on time and they are benefiting from my interest. I have searched high and low for someone to listen to me, as Navient has clearly benefits from me and I am at their mercy. It is XXXX and embarrassing. I am ashamed of the burden I have put on my family. I would like to be apart of the Navient lawsuit. Not to mention the thousand calls I get a day from organizations telling me I qualify for programs to get my loans dismissed, the only person knowing of my loans is Navient, have they sold my information to these agencies wanting to charge me money to help me???? If so they are benefiting from my interest and my information selling it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from the account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A third party agency keeps harassing me about paying a debt that was already paid for therefore I will not supply proof under the doctrine by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. XXXX I presume that no proof of the alledged debt nor therefore any such debt. In fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX representing XXXX XXXX has promised via mail that they would report a XXXX ( {$0.00} ) balance to all credit bureaus concerning my previous XXXX XXXX account. This has not happen as of yet. I was a responsible consumer and have paid my obligation. Yet, I have been dealing with the problem for two ( 3 ) years with a lot of run around and no resolution. Please see supporting documentation as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 
I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXX XXXX XXXX XXXX, Tx XXXX, never at any other address on my credit report. I have attached a copy of my DL, Bill for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax dated XX/XX/XXXX22 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please have these accounts repaired : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. TOYOTA MTR XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending you a letters regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and its your obligation to fix all these errors.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/XXXX was my recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit card or prepaid card

On or about XX/XX/2019, I notified Comenity Bank ( issuer of my XXXX and Victoria 's Secret cards ) that there were two fraudulent charges on my account and that the card was not in my possession. I provided specific details related to the missing card as well as information documenting the the charges on the account could not have been made by me, as I had been on a business trip during the period the charges were made. Not only that, but it was obvious by the charges ( both the total and the location ) that the spending does not follow my regular spending habits with this card issuer. I received a letter at the beginning of XXXX indicating that after the investigation was completed, I was found not to be responsible for the charges. Then, this week, I received notification that the decision had been overturned and that I was not responsible for the charges. I need this situation to be once and for all rectified - I feel I have not had any protection. I also feel this claim has been largely mishandled right from the start.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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