23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To Whom It May Concern, In May of this year ( on or about the XXXX ) we paid off the US Bank card in full. Shortly thereafter 3 charges to XXXX XXXX (? ) appeared on our account. For clarification, we do not know who or what XXXX XXXX is or maybe. I immediately contacted US Bank to file a fraud claim. US Bank wrongfully filed this as a charge dispute. I was quite certain that I stated that we did not ever purchase any items from XXXX XXXX at any time. That these charges where not correct. The representative assured me that the charges would be reversed and investigated. We canceled our credit card ( or so I thought ), and requested a replacement. 

On XXXX XXXX, I was checking our account and dismayed to learn the charges for XXXX XXXX had been reversed by US Bank. Again, I immediately contacted US Bank and spoke with a representative regarding these fraudulent charges. I was assured, that these charges had been mistakenly filed as disputes and he would correctly guide them to the XXXX department. Foolishly, I believed US Bank would handle this in a timely and professional manner. 

On Monday XX/XX/XXXX, I received three pieces of mail indicating that US Bank had reversed the charges on all three fraudulent claims and expected us to pay for items we did not purchase from a person or business we are not familiar with after reporting these charges initially as fraud to US Bank representatives. I also received a phone call from a US Bank representative ( XXXX ) claiming that he would guide these charges to the fraud department. Given the lack of competence demonstrated by US bank to this point, I am more than skeptical they will investigate these false debts and will still expect us to pay. We will not. Not now, not ever. I do not pay for other folks stealing our information and shopping at our expense. We followed appropriate protocol and US Bank, mishandled this from the start. 

One last item. The US Bank letters each state that their dispute investigation, describes how a sale works and how we presented our card etc. Neat trick, since we never visited XXXX XXXX did not leave XXXX to do so, nor purchase anything via the web from this individual/business (? ). For clarification, I will retain legal counsel if necessary. I would rather pay a shifty, sleazy lawyer than false charges on our account which were promptly identified and discussed with US bank at the initial time these charges where noticed on our paid in full credit card. There are two legal charges on that card as of the moment, onXXXX for {$70.00} ( XXXX ) and one for {$58.00} to the US Mint. These will be paid as we did make these purchases. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX. 
XXXX XXXX of card : XXXX XXXX. Two items : 1 ) I have filed this complaint with the Ohio XX/XX/XXXXOffice since I can not seem to file with the BBB. 
2 ) I am re-filing this complaint per an email from XXXX XXXX received XX/XX/XXXX ( Thread ID : XXXX ). 
3 ) As of today, I was notified by the AG 's office that this complaint was not in the purview. I was advised to contact The Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several weeks, I have been communicating with the following furnisher about unauthorized inquiries into my credit file : XXXX  with XXXX XX/XX/2023 XXXX-XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act.
Product: Debt collection

RECEIVED FOLLOWING 3 BUREAU CREDIT REPORT MONITORING ALERT. I Called Contract callers and advised the following : 1. They ( Contract Callers ) received a referral from XXXX XXXX in XXXX Illinois of a XX/XX/XXXXbill/balance due of {$54.00}. Contract Callers had sent a letter to my attention at an address in XXXX, Illinois and it was returned. I reside in Massachusetts. Contract Callers then placed a Collection Notice on my credit report. I was told to contact the Fraud Bureau of XXXX XXXX and Contract Callers could not resolve this. I had made contact with the utility company back in XX/XX/XXXX and had previously reported with all agencies of my identity being stolen. I had filed a report with my local ( XXXX, MA Police department as well as XXXX, Illinois Police Department. This has yet to have been resolved after 2 years of continued issue. 

XXXX - NewTrade Alert Date XX/XX/XXXX Alert Type New Account AccountNumber XXXX Creditor Name CONTRACT CALLERS INC Industry Type Other Collection Agencies Address CONTRACT CALLERS INC. CCI XXXX XXXX XXXX XXXX XXXX XXXX XXXX City XXXX Zip XXXX State GA Phone N/A Amount Delinquent N/A Account Balance 54 Payment Status Collection/Chargeoff Creditor Preferred Contact Other Consumer Statement Placed for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute to Transunion on XX/XX/year> to investigate the disputed inquiries on my credit report. Now that its XX/XX/year> exactly 35 days later, the representative on the phone told me to send in the FTC report number or the inquiries wouldnt be deleted. As a consumer, TransUnion should reach out to the companies in question just like I did. TransUnion didnt send an email, call, nor send a letter requesting the FTC report number. I advised TransUnion that the companies doesnt see any information in the system. The companies couldnt give me any documents to support my dispute. They requested for me to send a dispute to the bureaus and I did. My consumer rights has been validated according to the FCRA
Product: Debt collection

In 2018, Portfolio Recovery, took, me to XXXX XXXX County General District Court, to seek redress in this issue, however fail to produce the necessary Bill of Particular Items. 
They were as followed Date and Amount Account was purchased for Proof from XXXX  XXXX that sale of this account was given to your company Portfolio had already place this on my Credit Report and refused to remove it. Furthermore, I've had my present XXXX XXXX Credit Card Account for the past 2 1/2 years, and it as remained in good standings. 
These tactics of using people 's credit to make them pay a debt, that they can't even prove they are owed, and which has damaged my credit report by 56 points, is nothing more than malicious and vindictive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, I am a victim of Identity theft. I am enclosing my Identification, Identity theft report from the Federal Trade Commission and the Notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  those are the dates which ive been trying to get removed because these account besides XXXX  is mine. XXXX  I sent proof payments was made on time to the company and they still reported it late
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The experian credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Bank account or service

I have several accounts at Bank of America ( BOA ). It appears that BOA charges an overdraft fee based on pending ( not yet posted ) clearing items included in the available balance. In addition, it also appears that, for those accounts that have automatic transfer from savings accounts to cover potential overdrafts, make transfers based on pending items ( not yet posted ) and charge a transfer fee at that time. If deposits are made during the pending period, fees are not reversed prior to posting even for positive balances.
Product: Credit reporting

Experian is not responding to my requests to investigate and remove XXXX account from my credit report that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX ... XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$150.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

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

Under 605 ( C ) running of the period, it is a violation to RE-AGED an account on my credit report, in hopes of keeping the negative item on my account. Transunion, XXXX and XXXX are in violation of the FCRA and reporting inaccurate information on my credit report. it is unacceptable and preventing me from being approved for a home. I have reached out to this company sereval times in the lasr few months and they are not doing their. I have found an FCRA attorney who says i can get {$1000.00} for each violation on my credit report. i have included my credit reports to show the violations.
Product: Payday loan, title loan, or personal loan

Due to being a XXXX XXXX with a child who has had numerous sicknesses and XXXX causing me to miss work, I have been struggling. I try to pay every time I have extra money to keep it current but they ( Local Finance ) harass me with repetitive phone calls that disrupt my work day. They have called family members, even family out of state, repeatedly. I have received over 25 calls in the last 7 days. They also come to my home in person.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. TransUnion is in clear violation of the law under 15 USC1681B. The accounts in question are Account name : XXXX, # XXXX { {$530.00} }, XX/XX/XXXX, Account name : XXXX XXXX, # XXXX, { {$190000.00} } XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX, { {$29000.00} }, XX/XX/XXXX, Account name : XXXX # XXXX, { {$720.00} }, XX/XX/XXXX, Account name : XXXX # XXXX { {$22000.00} } ALL accounts are paid as agreed. 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 : states a consumer reporting agency can not furnish an 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. Due to, Transunion 's inaccurate reporting I've been continuously denied apartments and credit cards, and now losing faith in the banking system. Ive suffered from XXXX XXXX, due to the increased housing market and being denied of providing shelter for my family. 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: Mortgage

Approximately one year ago we started a short sale of our home with or mortgage holder Wells Fargo Bank. We have had a constant turn over in paperwork all the while meeting out our obligation and turning over all of the requested documents. During this time we have been harassed by Wells Fargo 's so called field agents. These field agents have come to our home at all hours of the day and evening without prior warning and have refused to show identification upon our request, saying that they are not required to so. They have taken pictures of our home on several occasions without our consent and have violated our privacy. They are very unprofessional in their appearance and often come to our home with several other unidentified persons riding in their vehicles. In our attempts to file complaints with the bank the Points of Contact have been unresponsive. The Points of Contact who I believe are designated by Wells Fargo to be our intermediaries, lack the most basic of customer service training skills. We have had numerous XXXX as Wells Fargo refers to them and they are totally " useless '' in this process. Either they are ignorant of what items they are asking for or they do n't ever call the customer back to answer questions and concerns. 

Finally on XXXX XXXX, 2015, we received a " Letter to Participate '' which is a HUD article and approval to proceed with the short sale. Since that time Wells Fargo 's Loan Adjuster 1/FHA Liquidations-XXXX has been a literal " sand bag '' in the what should be the final process of the sale. It appears to most of the professionals that have had anything to do with our transaction and XXXX XXXX that she purposely " sitting '' on our final approval for short sale. She has continuously failed to properly communicate with our Realtor in requesting the proper documentation for closure of our sale, to the point of even threatening us with removal from the HUD approval list without documented reasoning. Unfortunately it appears that through time XXXX XXXX may have come to believe that she is above reproach. We have contacted Wells Fargo supervisory staff on several occasions without any direct result. XXXX XXXX XXXX has been the latest to attempt to intervene for us even though he is not XXXX XXXX 's direct supervisor. We understand that XXXX XXXX is a important person to Wells Fargo. We have been made well aware of her role in representing Wells Fargo Bank, but she works for the bank, she, herself is not the bank. 
We are now on our XXXX, buyer. This buyer has been given excellent treatment by it 's lending institution and has offered " above the Fair Market Value '' for our home. Yet again we just re-sent documents that were requested by XXXX XXXX, items that were sent on several other occasions. The Buyers are anxious and frustrated, as we are ourselves. Please assist us in this matter.
Product: Checking or savings account

I have a XXXX  checking student account with Regions Bank, and I have been charged {$10.00} a month even though I am under the age of 25. These monthly charges began in XXXX XX/XX/2019 and was resolved today. However, I would like a full refund on the money that was charged. I was told I could only be refunded {$30.00}, but I was charged {$180.00} in total. 
I did not know I was being wrongfully charged until a regions employee called me saying I was being wrongfully charged. The reason for this is because I emailed the company and they said I was being charged correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts Hard Inquiry- XXXX XXXXXXXX XXXX Hard Inquiry- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I OBTAIN MY CREDIT REPORT FROM ALL  XXXX  CREDIT REPORT AGENCIES AFTER BEING DENIED CREDIT AND NOTICED SEVERAL INACCURATE AND INCORRECT ITEMS AND ACCOUNTS THAT DID NOT BELONG TO ME NOR DID I APPLY FOR. I HAVE DISPUTED THIS ITEM WITH THE CREDIT BUREAUS. I HAVE ALSO FILED A IDENTITY THEFT COMPLAINT WITH THE FT C ( FEDERAL TRADE COMMISSION ).   FTC REPORT NUMBER :  XXXX
Product: Debt collection

I received a letter from XXXX XXXX  where they told me the account in charge-off status was placed with NorthStar collection agency. I was never notified about my dispute rights and no documents were sent to me. I want you to send me all the documentation you have. Prove that you have rights and a licence to collect the debt in my state. 
What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Vehicle loan or lease

Wells Fargo XXXX Account was never late. I never received payment invoices for the moths they are claiming. As soon as I realized what had happed, I called them and made both payments the same day. They said it would not affect the credit report. I also sold that car in XXXX, as you can see in my credit report. I purchased a new car from XXXX in XXXX. XXXX sent wells Fargo the payoff but they show me being 30 days late then also. 

This Paid account is having a negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified documents pertaining to two bankruptcy listed on my credit report that does not belong to me I sent in documents to Transunion on several occasions asking them how they verified my information.

they insisted that the information pertaining to the two chapter XXXX  yay is showing on my credit report was verified the Bankruptcy Court which is false I sent them a copy of the certified letter from the chapter XXXX bankruptcy courts stating that they DO NOT report any information to any of the credit bureaus.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  Account # 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.