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

My information might have been impacted by data breach and my have got into the hands of the wrong person. below i do describe the company and date when the inquiries happened. thanks 1. XXXX XXXX XXXX CO inquiry made XX/XX/XXXX. 
XXXX XXXX XXXX XXXX inquiry made XX/XX/XXXX. 
3. XXXX XXXX inquiry made XX/XX/XXXX 4 XXXX XXXX inquiry made XX/XX/XXXX 5. XXXX XXXX XXXXXXXX inquiry made XX/XX/XXXX 6. XXXX XXXX inquiry made XX/XX/XXXX 7. XXXX XXXX inquiry made XX/XX/XXXX 8. XXXX XXXXnquiry made XX/XX/XXXX 9. XXXX inquiry made XX/XX/XXXX 10. XXXX XXXX inquiry made XX/XX/XXXX 11. XXXX XXXX inquiry made XX/XX/XXXX 12. XXXX inquiry made XX/XX/XXXX 13. XXXX XXXX inquiry made XX/XX/XXXX 14. XXXX inquiry made XX/XX/XXXX
Product: Credit card or prepaid card

Due to working away from home and also moving to a new home, I do not have all of the exact dates and documentation. I also thought the matter had been resolved.

When I went to the register to purchase my items at XXXX XXXX sometime XX/XX/XXXX, the cashier asked if I would like to earn points for future purchases. She explained the promotion, however, never mentioned that I was applying for a credit card. I entered some information on the XXXX XXXX and also presented my XXXX XXXX XXXX. When I walked out of the store I thought the purchase was charged to my XXXX XXXX XXXX.

When I went to the next store to pay for my items, I could not find my XXXX XXXX XXXX While looking for my card, I found the receipt from XXXX and then noticed the recent purchase was not charged to my XXXX XXXX XXXX. I immediately went back to XXXX   and asked them to return my XXXX XXXX XXXX ( which they did ). I also asked them to remove the recent transaction from their card and add it to my XXXX XXXX XXXX. XXXX refused to do it. I then called XXXX ( credit card company ) to cancel the card and they said they could not do it.

When I returned home from work in XX/XX/XXXX, I received a bill from XXXX/XXXX. I called XXXX to pay the bill with my XXXX XXXX XXXX. They refused to accept it, and said I must send them a check ( which I did-see attached ). They said they would waiver the late fee after I explained the events that occurred at XXXX  and that I was out of town. However, further statements came with some fees that did not make sense. I NEVER made any new purchase and I asked them to CANCEL the card several times in the past 2 years.

I made numerous calls to XXXX  and was always assured a XXXX  balance each time. Because of my physical move, the only documented conversation I have with XXXX is with XXXX, Confirmation # XXXX,XX/XX/XXXX. The XX/XX/XXXX balance was {$55.00} ( see attachment ). The latest XX/XX/XXXX bill balance is {$17.00}. No new purchases have been made. They removed portion of the fee???

This has hurt my EXCELLENT credit rating.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I am disputing the following item with Wells Fargo : Account information : The account above is being reported to the three major Credit Bureaus ( XXXX, XXXX  and XXXX  ). 

I already tried to fix this issue with the company. They have ignored me and I don't know what else to do. They are being unfair and negligent! I want a fair solution to this issue as soon as possible. I have been through emotional stress. 

I am a victim of fraud charges. My personal information was compromised and as a result fraudulent charges were included in my reports. I did not authorize ; neither did I benefit anything from these FRAUDULENT CHARGES that were included in my report. With this complaint, I want to demand this item to be removed from my records asap. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings on this account related to fraud. 

Please send the attached documents that I already sent to Wells Fargo. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity theft was stolen and tried to open credit under my name and there is a lot of hard and soft inquires that is making mt credit score very low i called and they will not remove them ( TransUnion Factor Details ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Misc. XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting an unverified and unvalidated XXXX XXXX account on my consumer credit report. The account is listed as being charged off. Pursuant to XXXX XXXX Code XXXX, the term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX bank XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps.
Product: Debt collection

Continue to report inaccurate information to credit bureau from an auto insurance accident settlement that they were already paid for and now after my recent dispute with the credit bureau they decided to add on XXXX more bogus accounts.
Product: Payday loan, title loan, personal loan, or advance loan

Wells Fargo will charge fees for paid-off {$0.00} balance lines of credit, basically holding the customer 's credit score hostage. Either you pay their fee for something that is not being used, or have your credit score affected.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized or incorrect hard inquiries from my credit report. Under the Fair Credit Reporting Act ( FCRA 1681b ( c ) ), companies must have my explicit authorization to access my credit file. Upon reviewing my report, I identified multiple inquiries that I did not authorize. 

The following hard inquiries should be removed immediately, along with their associated inquiry codes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My Mortgage was sold to a servicer. I have called several time to find out where to make my next payment. XXXX XXXX XXXX will not give me the address or a phone number to reach out to the new compmeany. I only have one week left to make my next payment on time. 
I have looked the new company up on line and found a phone number, but when you call it, and go through all of the prompts, there phone hangs up on you. I was one month ahead, now I may be late and or one month behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having a problem with a financial product or service? 
We have answers to frequently asked questions and can help you connect with companies if you have a complaint. Sadly you don't have the answers because in my opinion by numereous experiences and by design of the system it is corrupt from top to bottom. Yes and you the alleged protector propagate that XXXX XXXXXXXX I choose to define my opinion and evil will never change but stand in it's arrogance and pride. Wecand all who are held XXXXXXXX XXXX so called credit organizations and their cohorts understand who and what you are by your own thoughts, words and deeds. So filing a complaint useless but merely to serve truth. Yes we are as responsible because we use your services, need finance and share in the creation of who you are abdcstabd as guilty via our indifference.
Product: Debt collection

I was not informed through my employer about a garnishment from Javitch Block. I never received any documents, court orders, answer back, or anything else from my employer or Javitch Block? As a matter of Fact they claimed to my employer that they delivered their documents and verification to an address I've never lived. Garnishment has taken place within the last pay period. I care for my XXXX mother so the garnishment affected my ability to pay for necessary items. The beginning date of check garnishment was XX/XX/year>. As of this date XX/XX/year> I've still not received anything regarding the garnishment from Javitch or My employer
Product: Checking or savings account

I was a customer for XXXX XXXX  or Chime. I was receiving unemployment. They locked and closed my account with no explanation. I lost {$5000.00} because Chime never refunded my money when they closed my account with no explanation.
Product: Credit reporting or other personal consumer reports

The company is experian and they update old accounts from years ago.when new companies purchase the same account with updated dates either multiple times from different companies who brought the old accounts as current. And its false information. And im having a hard time clearing this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXT XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have created the account in Gemini, after serval weeks my account is not be verified. I have sent a lot of email to get the account be setup so I can deposit/withdraw my fund. But no lucks. And I can't remove my account to make sure my data not be used wrongly. 
They are not following the GDPR and stealing the personal data with money.
Product: Credit reporting or other personal consumer reports

I am a former XXXX licensed broker and I was successful for many many years. 

It's been over XXXX years since I was robbed of EVERYTHING and I'm still homeless. 

I was in the XXXX XXXX breach of 2021 and I am still in a homeless shelter and completely disenfranchised from this id theft attack I have id theft insurance, it will not pay me ANYTHING let alone my enormous losses. 

I was in the rental relief program for 3 months. 
XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX my former clients, all have robbed me and my family in several ways once my Identity theft attack started. 

Virtually every govt agency I have contacted since this attack on my son and I does not care to compensate me for my losses either. 

I have contacted everyone I was told to and all dead ends. 

I have nothing left and barely anyway now to prove any of my losses. 

I am very tired after XXXX years being ripped from my son and in a shelter with criminals and crazy people for XXXX years. 

I don't have it in me to explain everything but I will tell you that I will keep writing your office when I have the energy because I want my stuff back and I don't believe anyone needs more of my time to prove anything. Here 's the list of my demands to be made whole and I do not feel obligated to prove why or how I had such wealth. You can figure it out. 

I want my XXXX ID theft insurance with assurant and XXXX XXXX to pay me XXXX XXXX dollars. 

I want my credit back to XXXX and no debt. 

I want my fiat abarth back I want my XXXX a month apartment back. 

I want my drafting company back and all my computers I want my son back most importantly and you will not waste my time explaining why he has been out of my life when we were evicted illegally at XXXX point from our home. 

I'm not answering anything I'm demanding and I don't care if you deny it I will just keep demanding it as long as I'm suffering and my son is suffering, I will remind your office of how broken your protection is of not only my son but also of the American public. I have a background helping and protecting many people in finance and health. 

Figure it out, get me whole again and don't dare ask me to work on it. I got a child to raise and explain this all too and how our country is clearly going to XXXX. You try over and over again reliving a horror like this. I will only give you what theives had of mine to take my son 's life from him. 
My social security name number email and mailing address and the names of the services I had. 

I worked like a dog for my son to have a good life and enjoy his parents bc I never had that. And what's listed here is what I can stomach to list right now. you'll never know the full extent of my losses or my son 's plight. Just get it done.
Product: Payday loan, title loan, or personal loan

I am a XXXX XXXX of XXXX XXXX XXXX XXXX, my LLC name is XXXX XXXX, XXXX. I had taken a loan with XXXX XXXX XXXX In XX/XX/XXXX for {$670000.00} in order to buy out my business partner. I loss my business XX/XX/XXXX because of the CampFire. My insurance does not cover the loss of my mobile home park and the bank still wants their money, although they did deferred payments. For the past 4 months they are still charging me and adding on to the loan over {$2800.00} each month for interest. I have no income and my only source of money is my Social Security which doesnt pay very much. I NEED HELP! This is been a national disaster here in California and now the bank has continued to charge me almost {$12000.00} extra added to my account which I think is very unfair. Ive talk to XXXX XXXX vice President of Bank of the West and he refuses to help me in this matter. I want to pay off the loan due, but due to the debris and contamination of the property, I can not sell it or find a buyer until its been cleaned up which could take a few more months. Most of the town of XXXX has been destroyed from the worse fire in California. Please help me. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my knowledge or consent. Under 15 U.S.C. 1681c-2, I formally requested Experian to block and remove these unauthorized accounts from my credit report. The fraudulent accounts include : XXXX Account Number : XXXXXXXX XXXX XXXX XXXXccount Number : XXXX Despite my request and legal right to have these accounts removed, Experian has failed to take proper action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. Additionally : 15 U.S.C. 1681i mandates a reinvestigation and removal of unverifiable information.

15 U.S.C. 1681e ( b ) requires credit bureaus to ensure maximum accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or fraudulent information.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) requires credit bureaus to notify other agencies of removed fraudulent accounts. 
I have provided all necessary supporting documents, yet XXXX has failed to comply with its obligations under federal law, allowing fraudulent accounts to remain on my report.
Product: Checking or savings account

XX/XX/23 around XXXXXXXX XXXX i deposited {$3500.00} at chase atm XXXX XXXX {$100.00} bills XXXX {$50.00} bills an XXXX {$20.00} bills XXXX bills all together making {$3500.00} i have yet to receive any updates on my dispute i have not received any temporary credit after the 4 days they said they would apply to my account i called them an they said that it would take them up to 35 days to resolve the issue an that i would have to wait till they resolve the issue before giving me my money back. I kelp calling asking if they could look at cameras they wouldnt tell me anything but sorry you have to wait till its resolved.
Product: Checking or savings account

Up today, XX/XX/XXXX, I have disputed a transaction with my customer XXXX XXXX, the dispute was resolved but the Wells Fargo bank is still withholding the fund about {$15000.00}, from my customer XXXX XXXX to three of my account. My customer XXXX XXXX had already paid the invoice at the beginning of XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by " XXXX XXXX '' and " XXXX XXXX Title '' ( the " Companies '' ) which involved me making deposits for a total amount of XXXX USD from my XXXX account to fraudulent investment firms.
Product: Debt collection

I am writing to file a complaint against Jefferson Capital Systems , LLC for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an account they claim I owe. I have reason to believe that the account is inaccurate, and that Jefferson Capital Systems has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX, that shows the transfer of ownership of the alleged debt to Jefferson Capital Systems. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Jefferson Capital Systems has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Jefferson Capital Systems has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my credit report and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ). According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Jefferson Capital Systems has failed to do so. Because of this failure, I am citing the legal responsibilities of a collection agency to the consumer to report the accurate date of initial default which provides the timeline for reporting. I am requesting an immediate investigation into this matter, and that appropriate action to hold Jefferson Capital Systems accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX