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

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit card or prepaid card

Wells Fargo platinum Debit Visa Card ending XXXX http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX XXXX Invoice from XXXX XXXX XXXX XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX XXXX NATO Bill Pay Federal Document Nbr XXXX Executive Office for Immigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX This reservation is on HOLD until XX/XX/2019 XXXX XXXX   CET ( Central European Time ). 
Electronic payment Receipt Acknowledgement - XXXX ( XXXX ) Have No valid Ticket number - XXXX  member XXXX
Product: Debt collection

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document. According to 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The moment I received the duplicate of my report that I purchased with MyFreeScore dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF, COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXXXXXX XXXX

Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX  Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX had 2 Capital One accounts. They failed to communicate with me to settle these accounts. They didn't answer phone calls, emails or calls. Capital One did not either. I have been trying to resolve since 2016. This is unprofessional and unethical. Being reported by Capital One in collections all this time and none of these business will communicate. Very wrong. I demand this be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is that XXXX, XXXX and Experian have not comply with law and have not respond to any of my disputes. Its been over 30 days, literally months and no response! I need you guys ( CFPB ) to step in and take actions.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Wednesday, XX/XX/XXXX I made a mobile deposit for {$3000.00}. When making the deposit it said {$220.00} would be available on XX/XX/XXXX and the balance would be released on XX/XX/XXXX. Yesterday I received an alert in the message section of my Wells Fargo account stating due to an irregular signature they will hold the check until XX/XX/XXXX. My mortgage and lights are past due. My lights will be disconnected tomorrow if I dont make payment! I went into the branch today to verify my signature and the bank teller says the signature is the same and initiated an escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX & XXXX  XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
1. XXXXXXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. You sent verification as to the account being opened and opened online. I never challenged the account being open. The account was NOT opened by me. Please send me an updated copy of my credit report after your investigation and removal of this account.
Product: Credit reporting or other personal consumer reports

I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information.
Product: Prepaid card

Since receiving my cash app card I have had several transactions that were either declined, canceled, or never authorized by me. Upon disclosing this matter to customer care, they respond with telling me how to obtain a copy of my transactions as well as responding to me with where I also can find a copy of my monthly statement. This really bothers me to my core because they continue to act as though they have the slightest clue as to what information that I have requested over and over again ending in an unresolved situation that continues to fester inside of me slowly reaching the depth of my soul! I agree that the documents should be enough to obtain and evaluate in order to resolve my issues but unfortunately they are not because each of these documents are always different from each other and they dont make sense. I dont know why it appears to be so hard to submit documentation that can easily be used to help verify or deny transactions on anyones account. I use my card quite often and each time there seem to be unrecognized transactions and missing refunds that are still not present on my account. I have requested a list of transactions that show the refund amounts and date that they were credited to my account. I have not been able to get a running log of balances that justify money deducted resulting in a transaction that either was due to a payment to someone or as a payment made to me by someone else. I am supposed to get an alert for every transaction and based on those alone I am sure that a great deal of money is still missing and unaccounted for. I would appreciate it if I could get some help with this matter before it becomes a much bigger headache than it already is? Thanks in advance for your assistance in this matter. 
Currently I do not know for certain how much money has not been returned in the form of a monetary refund, and not an account credit, but it does appear to be a substantial amount based on the conclusion of my investigation. 
In closing, what I would like to see is the evidence presented in which the refunds and or credits have been made back to my account as a result of a cancellation or due to a return of an item, show the transaction amount, date and stated action that reflects why/what the refund is being issued for. 





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

I have an existing credit freeze with all XXXX credit reporting companies since 2014. I have had special pins and log ons and was always able to unblock my credit for specific companies for short time periods. 

Currently I can not un block my credit with Equifax. I have tried to reset my pass word 3 times online and can not get anyone on the phone after multiple calls. 

I DO NOT WANT ANY OF THEIR STUPID MEMBER XXXX, i don't want emails I just want to block and unblock my credit reports when I need to. 

Currently, XXXX XXXX is reporting an Equifax Member XXXX set up is blocking all 3 credit reports to their company to complete a mortgage application.
Product: Credit card or prepaid card

{$900.00} was stolen from my BankofAmerica Pre-paid Visa account. First, inquiry, checking if money was placed on my account. At a XXXX XXXX @ XXXX XXXX XXXX XXXX, California Then after at or around XXXX, XXXX, @ BankofAmerica @ or around XXXX, {$960.00} was taking from my pre-paid account.. 
No info if there was a card used at the atm The bank issues my money back and a new card. Within a certain time frame. A friend of mine was stolen from his account twice in 3-4months. One was in the north side of XXXX, the other on-line purchased. The person stealing from us, has to be either from one of the companies issuing or holding the money.Or a Casino I frequent. 
Somehow I found a number in my account thats not mine ( XXXX ) XXXX.almost identical to my number minus one difference. 
My email, XXXX  as yes I have a new issued card.But Ive had this same card, since.I first was issued The customer should be paid interest on their monies that was taking without their knowledge. That would reinsure, more for the effected, especially when we get penalize for late fees, and transactions from banks, and government agencies Fairness for all
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX, Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a smart move rental screening application for an apartment I found on XXXX listed in XXXX XXXX location. The owner of this property was initially very responsive as soon as I sent my first message up until she said me the application link to provide my information and pay a ridiculous {$47.00} fee. I submitted it same day and messaged the owner on XXXX that I had applied. From here on I never hear another word from this owner. My screening was completed the very same day XX/XX/year> as I have absolutely nothing negative on my report and was expecting a quick turnaround in the process after they received my report. Well as I said after I provided my information and paid this {$47.00} fee I never hear anything or any status update. Now nearly a month later I see the owner ignored all my messages and removed the listing without any notification. I call smartmovetransunion support and they refuse to refund me regardless of me mentioning Minnesota state renter protection laws to avoid scams like this. I have provided documentation below.
Product: Debt collection

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them.
Product: Debt collection

Debt Validation Letter to IC System, Inc. 

IC System, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Request for Debt Validation under 15 U.S.C. 1692g Account Number XXXX XXXX To Whom It May Concern : I am writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). This letter serves as my formal request for validation of the debt you claim I owe and which appears to be connected to the above-referenced account.

Pursuant to the FDCPA, I require the following information to validate this debt : 1. Full Validation of the Debt : The name and address of the original creditor. 
The original account number or reference number tied to the debt. 
A full and itemized accounting of the alleged debt, including the original balance, interest, fees, and any other charges assessed.

2. Proof of Authority to Collect : A copy of any assignment or agreement granting IC System , Inc. the legal right to collect on this debt.

3. Verification of My Obligation : A copy of the original signed agreement or contract allegedly binding me to this obligation.

Proof that the debt is within the statute of limitations for collection in my state.

4. Proof of Reporting Accuracy : If this debt has been reported to any credit bureau, I request evidence that the information reported is accurate, complete, and fully substantiated. 

Please note that until proper validation of this debt is provided, you are required to cease all collection activities under 15 U.S.C. 1692g ( b ). Any attempts to continue collection efforts without proper validation constitute a direct violation of the FDCPA and may result in legal action.

Additionally, I request confirmation that IC System, Inc. is fully compliant with all federal and state licensing and bonding requirements applicable to your collection activities in my jurisdiction.

This communication is not to be construed as an acknowledgment or acceptance of any debt. I simply require IC System , Inc. to adhere to its legal obligation to provide full validation of the alleged debt.

Please respond to this request in writing within 30 days of receiving this letter. If you fail to comply, I will have no choice but to escalate the matter further, including filing disputes with the credit bureaus, submitting a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), and exploring potential legal remedies. 

All future correspondence regarding this matter must be sent in writing to the address provided above. 

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

Fortiva Was informed that this account was used or opened by me and this account is fraud. They informed me of the transactions placed on the account and I filled out an affidavit and sent it back to them declining and denying the charges and account. I was told by the Fortiva Fraud Dept. the account was closed with a XXXX balance and would be removed from my credit report by Fortiva Customer Service department. The account is closed but still being reported as delinquent. According Fortiva the balances and annual fees were going to be removed and the account would be fully closed and removed from my credit reports.
Product: Money transfer, virtual currency, or money service

XXXX XXXX At XXXX XXXX, I set up a wire transfer of {$35000.00} from XXXX to XXXX to pay for a car, transfer number XXXX. The company account was correct but the car dealership give me the incorrect company name. Then the funds never arrived and to this date XXXX has still not refunded the wire transfer. All this money somehow missing and XXXX is not taking responsibility. XXXX has stated that Citibank has these funds, per the attached proof that it was sent via Citibank. XXXX XXXX, the recipient bank, has stated the funds were returned to Citibank, per the attached email. My CFPB complaint that Citibank return the funds resulted in the attached. Citibank is not taking responsibility nor helping XXXX with the trace and recall of the transfer. No one is helping me and Citibank is holding these funds.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was not possible.
Product: Credit card

I am writing to demand the immediate deletion of a closed account from my consumer report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and pertinent provisions under the Code of Federal Regulations ( C.F.R. ). The account in question, associated with your institution, adversely impacts my credit report and fails to accurately reflect my creditworthiness.

Under 15 U.S.C. 1681c, the FCRA mandates that information on credit reports must be accurate, complete, and verifiable. Furthermore, 12 C.F.R. 1022.1 enforces the requirement that all reported information must reflect the consumers true credit history. This includes the prompt deletion of any data that does not meet these standards.

Moreover, adherence to the XXXX XXXX  format guidelines, which standardize credit reporting practices, requires that accounts closed by consumers be reported accurately to avoid misrepresenting their credit status. 

The account in question is : Account Number : XXXX Date Opened : XXXX I demand that this account be immediately removed from my credit report. Additionally, I require confirmation that this account has been deleted from all primary credit reporting agencies, including XXXX, XXXX, and XXXX, as well as any secondary reporting agencies to which you report. Failure to comply with this demand will necessitate further action, and pursuing legal remedies to enforce compliance with federal regulations. I expect this account to be removed from my credit report without delay. 

Please confirm receipt of this demand and provide written confirmation of the actions taken to rectify this issue. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

In XXXX XXXX, after finding myself in financial difficulty, I retained XXXX XXXX XXXX XXXX XXXX XXXX, CA to negotiate and settle my debts ... which has gone well, except for the Chase Bank credit card account. 
In XXXX XXXX, after 2 years of trying to negotiate this Chase account, I received a XXXX IRS Form XXXX ( cancellation of debt ) with an event code : XXXX ( decision or policy to discontinue collection ). I filed this cancelled debt as income on my XXXX Income Tax returns. 
After waiting a few months for my credit reports to update and reflect the {$0.00}. balance, they did not change. I, then, filed disputes with the credit reporting agencies and I called Chase Bank and talked to a representative named, XXXX # XXXX. The representative told me that I still owed the full amount of this debt, even though Chase had filed the " Cancellation of Debt ''. 
I do not feel I owe this debt because, Chase chose not to settle this debt with my representative, but chose to file the " Cancellation of Debt '' instead. 
I am submitting pertinent info from a previous complaint on this issue against XXXX, dated XXXX/XXXX/XXXX. CFPB case # XXXX or Original dispute case # XXXX. 
I am asking for any assistance you can give to help me resolve this situation.