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

On XX/XX/year> I deposited a check in my account for {$3800.00} via a drive thru teller at TD Bank. When I deposited this check I stressed to the teller this is the first time Im receiving a check from this company. My checking account balance was approximately {$36.00}. My savings account balance was approximately {$90.00}. I did not have {$3800.00} in either of my accounts to cover this check in the event this check did not clear. 
On XXXX the check was still not deposited in my account. I called TD Bank customer service number and to inquire if I could receive the money faster. The customer service rep whose name is XXXX told me the check could be released in as little as XXXX hours. She then transferred me via phone to the TD Bank I went to in XXXX, NJ. The teller on the phone at the branch in XXXX XXXX cleared the check. 
On XXXX I spent the entire check. Now as of XXXX the check was returned because it was a bad check. TD Bank is now charging me {$3800.00} stating the check was fraudulent.
Product: Vehicle loan or lease

I looked over my auto loan contract for my XXXX  XXXX XXXX I got from XXXX XXXX XXXX and am aware XXXX XXXX XXXX participates in the Truth in Lending Act and violated it, so this contract is now fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXX XXXX XXXX # XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to Cushman vs TransUnion 1997 XXXX, XXXX, and Equifax are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter in XXXX XXXX from XXXX XXXX of TX about an account default of {$3300.00} on an account I never opened ( my mail was apparently stolen ). I contacted local office. Contacted local police. Received a fraud packet. Attempted to contact fraud dept./XXXX XXXX w/ multiple voicemails & got no reply. Finally got copy of bad check ( accepted by XXXX XXXX ) in XXXX XXXX. On the reverse of the check is my TX DL number. All other info is fake & not my signature. **Also noticed on my Equifax report a Collections from XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX XXXX for use of XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have never been to such a place ( they are in XXXX & XXXX XXXX, not near me in XXXX ). This is not my bill. I never made this visit and don't know how to correct this breach. 

The police told me they couldn't open a report on what I gave them but I could go to identitytheft.gov & fill out the info which would be like a police report for XXXX. I sent them a letter provided by the website, as well as one to Equifax. 

Since then - XXXX, I have heard nothing back from XXXX XXXX nor anything of substance from Equifax. My FICO score has gone from high ( XXXX ) to the low 600s to back to XXXX.
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 1

5 USC 1681. The letters are stated with items and issues. 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: Debt collection

I did an investigation to my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$0.00}
Product: Credit reporting or other personal consumer reports

Sometime in XXXX XXXX XXXX  I purchased tickets from XXXXXXXX XXXX via the Membership. My family & I went once! Which was on XX/XX/year>, we had made plans to comeback on XX/XX/year>. But since it never happened I wanted to stop the membership payments, yet I noticed they already took the money from my account. I called multiple times, Ive reported it multiple times & I just simply wasnt getting my money back. I stopped the payments & deleted the account XX/XX/year>, so when I noticed a {$68.00} payment from XXXXXXXX XXXX come through I was confused. Now they are reporting that I Owe them {$840.00} which is false! Im trying to find myself a home & I can not with this on my background. Its not fair to me nor to my child. I have to get this resolved ASAP! I have to be out of here by XXXX.
Product: Debt collection

Debt Collector, the CBE Group, contacted via email, a personal friend, XXXX XXXX, about a supposed debt of {$390.00} owed to XXXX XXXX. 

I have not authorized CBE Group to communicate with anyone about any debts I may owe. 

This is a direct violation of the Fair Debt Collection Practices Act.
Product: Debt collection

They contacted me and identified the debt amounting to {$470.00} and I never received information to verify and validate the debt.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am formally writing to complaint how Zelle has handled my disputes with respect to the CFPB lawsuits. Despite complaints, Zelle told me it was impossible to retrieve my lost funds and transactions. The CFBP has found that Zelle has cheated customers and they are protecting the consumer.
Product: Payday loan, title loan, or personal loan

I borrow {$1000.00} for a payback of {$1400.00} after I got the money it says my balance is almost {$6000.00} ... I can't afford that and there taking money every week
Product: Debt collection

My daughter owns this money not me I already talk to them, they said they were going to remove this collection from my credit score they have not done it.
Product: Credit card or prepaid card

I started with my company on XX/XX/2022 and prior to starting I provided valid and correct direct deposit information. After the first pay period closed I was informed that my Direct Deposit information had changed I was later told by a member of the payroll team at my company that somehow XXXX couldn't verify my direct deposit which is a XXXX XXXX XXXXThey then opened a " WISELY '' payroll card account in my name and deposited my check to that account. They are now actively refusing to work with my employer to close out the unauthorized account or return the funds.
Product: Credit reporting or other personal consumer reports

National credit system for XXXX on XX/XX/year>. I have never done business with this company and have been harassing by this company. I requested a copy of contract and was denied and they don't have any contacts with my signature.
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. 

XXXXXXXX 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 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: Debt collection

Dear Sir or Madam, I'm XXXX XXXX from XXXX, NC. I've been disputing this collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX, XXXX : XXXX, Email : XXXX. I'm XXXX XXXX from XXXX, NC and I'm disputing a company called Huntington Warfield. I have contacted this company on several occasions since XXXX to resolve a debt that I disputed from a company name XXXX XXXX XXXX, that I had rented a home from over 2 years ago that claimed that I owed monies for basic wear and tear of the rental home. Therefore, they had sold the account to Hunter Warfield who has been harassing me for a couple of years to collect approximately {$2000.00} dollars. Therefore, this year Ive tried to contact to resolve the collection debt and to negotiate a pay-off. On XX/XX/XXXX, I called to negotiate a pay-off and the lady on the line stated she will allow me to settle and pay {$1400.00} to pay the {$2000.00} balance off in full. Therefore, I gave her my credit card information and paid {$1400.00} and she stated that I will receive a receipt that the debt was paid in full for the complete balance within 24-48 hours to my email. The complaint is the following day the lady calls back and states that I owe {$1500.00} more dollars before the debt will be paid off. I then reiterate what she had told me on XX/XX/XXXX, that my account balance was paid in full. She stated that she didnt tell me that. I was very upset and I disconnected with the lady at Huntington Warfield. I decided to call back on XX/XX/XXXX, and requested to speak with a manager and received a gentleman representative that stated I owe over {$2000.00} now and stated that the lady representative did not suppose to have negotiated with me on the balance. My second complaint is that they are trying to scam and price gauge me because my debt was only {$2000.00} and I paid {$1400.00} on XX/XX/XXXX. Therefore, how do I still owe {$2000.00}? Please help this collection agency has made my life so miserable and they are allowing me from being able to rent another place for me and my children to live and at this time we are currently homeless. Please HELP! 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced identity theft where my non-public information was shared, furnished, and sold by Equifax without my consent, thus violating my rights. I urgently request the immediate removal of these unauthorized items : US DEPARTMENT OF EDU Acct # XXXX, US DEPARTMENT OF EDU Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found inaccurate accounts on my credit report, and I cant figure out why. I always review my report carefully, and its never been like this before. I even refreshed the page, hoping it was a temporary glitch, but nothing changed. The accounts are still there, and Im begging for your help to review the documents Ive provided thoroughly so I can finally stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX BANK NA ; Account Number : XXXX ; Balance : {$2300.00} ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Mortgage

Although my refinance should have been a 'slam dunk ', unnecessary delays due to both loan processor incompetence and physical paper handling ( vs. electronic workflow/e-documents ) made my experience a stressful nightmare. After closing, I continue to have questions regarding calculations used when paying-out my escrow account. I believe certain values appearing on my [ new ] HUD are inaccurate, and my numerous requests to get clarity from the " Escrow Department '' go ignored. I 'm opening this complaint after several rounds of " phone tag '' and ignored emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer exercised my rights per the Fair Credit Reporting Act and the Fair Debt Collection Act by submitting a dispute to Experian on XX/XX/2022 via the Experian XXXX XXXX dispute center. Experian responded on XX/XX/2022 that the dispute was received and could take upto 30 days for completion. Experian also ensured that all investigation results would be shared with me at the end of the investigation by Experian as well as the creditors which are XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/2022 Experian contacted me via email and the online Experian dispute center to inform me that my dispute investigation had been completed as of XX/XX/2022. Experian failed to ensure a thorough investigation because Experian, XXXX, and XXXX are all reporting incomplete, inconsistent, and inaccurate information in regard to both disputed accounts as of XX/XX/2022. Experian claims to have conducted an investigation yet I have not received any debt validation results that would support permissible purpose for these accounts being furnished by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and also no permissible purpose for the reporting of incomplete, inconsistent, unauthorized, and inaccurate information to my Experian consumer report. This is a clear example of experians willfully noncompliance and negligence to rectifying my affairs. This is a violation of 16 USC 1692 and 15 USC 1681b. If experian is claiming to have investigated yet I can not determine between experian, XXXX, or XXXX who is housing accurate consumer information then accounts must be deleted immediately. Also, the creditors of the above-mentioned accounts have failed to provide debt validation within 30 days of receiving the dispute request thus these accounts must be deleted/ permanetly removed immediately upon receipt of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am reaching out about a XXXX XXXX Credit Card on my credit report that has not yet been removed and is continuously preventing me from progressing in life financially. I have reached out to Experian and XXXX multiple times in attempts to verify the legitimacy of this account and I have received no information or proof that this account is valid. Experian results show the account is still currently reporting after my dispute. As of now the only thing I have received is a notification from Experian with inaccurate results. XXXX has not responded at all. 

In my documentation I asked for a consumer signed signature form both companies and they could not provide this information. I also asked for any sorts of documentation that verifies this account and received nothing. I have reached out to XXXX XXXX XXXX Services directly and they are completely neglecting the issue at hand. 

XXXX XXXX XXXX XXXX Acct no : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Attached below are the letters sent to XXXX that I mentioned in the paragraph above along with receipts that require electronic signature from XXXX upon arrival. These exact same letters were also sent to Experian but i did not attach due to their response. 

- statement of personal information correction - 3rd attempt 609 letter letter dispute
Product: Debt collection

First I want to state that this hunter warfield did not give me an option to dispute or request confirmation concerning this debt owed to XXXX. Instead persisted for me to pay the debt within 90 days or theyll file collection against my credit. I politely told them to not contact me again which they did not. I also had XXXX XXXX XXXX XXXX of XXXX reach out to me concerning an open claim. So upon me explaining what happened and their fraudulent allegations claiming what I did to the house. And also uploading proof to prove my claim against theres. While they provided little to no evidence in the pictures beside receipts of upgrades they did to the house and want me to pay for it. Like paint job, housekeeping, new toilet seat and air/water filters. They originally wanted me to pay the full {$1300.00} for excessive wear & tear which I quickly denied with rhino. But XXXX XXXX said I owe {$1200.00}. Which is clearly XXXX different amounts coming from XXXX different companies concerning the same client. So upon a couple more back and forth email with XXXX XXXX I just end up settling the full claim for only {$280.00}. Due to them basically saying I have a due date to pay and something has to be paid to XXXX to settle. So upon payment I was told the claim was settled for full amount and I have nothing else to worry about. All of this happening from XXXX. So today XX/XX/year> I get home and received a notice my credit dropped due to a new collection account. Me forgetting and not knowing why I quickly disputed this as it drop my credit by almost XXXX points. I have applications in for federal/local government and them seeing this on my credit could impact my chances. So once I did some research I found out it was XXXX XXXXXXXX XXXX XXXXXXXX for XXXX  ( XXXX XXXX XXXX XXXX  saying that I still a unpaid balance of {$300.00}. And thats the reason for the collection which I was frustrated and mad because no one tried to follow up with me nor XXXX to see the pending balance before attempting to put a collection on my credit account. So as of XX/XX/year> they told me to send proof that Ive settled the claim and paid and that they were going to open a case and reach out to XXXX. Which they shouldve already done before touching my credit. And they did not have any knowledge of the previous amount they sent me of {$1200.00}. All of this from XXXX to XXXX XXXX is stressing me months after me paying and settling the claim. I want closure on this as I think this is XXXX  business practice. Also somethings not legal about my situation as the things Ive went through over a nice put together without any excessive wear and tear. Upon looking online and doing research on XXXX I also see Im not the only person who they did this too. I just wished I did more research before I moved here.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
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 XXXX XXXX XXXXXXXX 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 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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX and XXXX was removed from my mothers transfered to my account and removed from that account and I believe some one hacked my account because the same name that took the money also took money from my XXXX XXXX My bank is neglecting me not even giving me my refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX