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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which iare found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records. The following items needs to be 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 

If you feel there is a possibility these items belongs to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection was opened between XX/XX/2023 and XX/XX/2023. The collection agency is I C SYSTEM. The original creditor was XXXX XXXX XXXX. 

Ive never heard of either of these companies and do not have a mobile device with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on three separate occasions that XXXX XXXX XXXX validate the debt they seek to collect. I have requested validation because I believe they are trying to collect an invalid amount and are not reporting my payment history properly. XXXX has failed to respond to my requests to validate the alleged debt owed. I have received numerous communications that request payment of varying amounts. Even after logging complaints with the Consumer Financial Protection Bureau, XXXX has failed to validate the alleged debt. <P/>Most recently I received a letter demanding an amount of 3 times the amount being reported on my credit report. While I do not believe this amount is accurate either, I am trying to show the inconsistencies leading to my demand of validation in order for XXXX to continue reporting this tradeline on my credit report. Pursuant of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act you have an obligation to ensure data being furnished has been verified AND VALIDATED. This complaint is to notify Equifax that XXXX has failed to provide proper validation of the alleged debt and therefore does not have the legal grounds to continue any debt collection efforts including credit reporting.
Product: Credit reporting or other personal consumer reports

Privacy and confidentiality under 15USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX 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, other than records of convictions of crimes which antedates the report by more than 7 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: Money transfer, virtual currency, or money service

I tried to purchase a laptop for {$700.00} on XX/XX/XXXX from a person through XXXX XXXX. I used XXXX within my Wells Fargo app. I transferred an initial payment of {$490.00} to the seller, however, I never received the item, and the seller stopped responding. I contacted Wells Fargo to report the scam, and my case was looked into but was closed with no resolution in my favor. They just said they were unable to reach the recipients bank and did not refund me my money, even though online banking is supposed to be secure.
Product: Credit reporting or other personal consumer reports

This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. The bureaus have not responded and the Federal Reporting Agency has not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days. 
Please delete the following account the are not accurate : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX OH XXXX the above accounts are not correct. I have challenged them before.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE XXXX NEGATIVE REPORTING TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT.. I WOULD LIKE TO STATE THAT PURSUANT 15 USC 1681 ( a ) ( 1 ) that THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND TRANSUNION TO REPORT THESE INACCURACIES IT HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD.
Product: Credit card

I have a XXXX account. I used it online to transfer {$1300.00} to a friend. XXXX advertises that transactions between friends are free. There was no notification of a fee at the time I transferred the money. I was charged {$40.00} for the transaction. I called customer service and they refused to refund the fee saying that my " funding source '' ( my credit union ) was temporarily unavailable due to security issues. They refused to tell what the security issue was. XXXX made the charge to my Paypal credit card, which I NEVER authorized, and then charged the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ; account 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 an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX XXXX Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} XXXX US DEPT ED XXXX Balance Owed : {$1500.00}
Product: Credit card

On XX/XX/XXXX I made a credit card payment of XXXX I noticed that the payment was not being applied to my account in a timely manner and shows my available credit not updated. I called the company and was advised that it should update after XX/XX/XXXX and the agent could not explain why. I want to know exactly why this is ok and acceptable to not report me accurately and fairly as a credit card company. I want this situation rectified immediately and my payments to post in a timely manner. This does not seem to be fair and responsible banking to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried repeatedly to fix this situation with numerous disputes. This is my 6th time disputing this account. CFPB sitll has a open complaint with no resolution.
Product: Debt collection

I was served with a notice of small claims court for a debt. I called the company and settled the debt making monthly installments for the next XXXX years. I am currently paying XXXX $ a month. I was assured that the court case would be dismissed as we settled outside of court. However, I received a Entry of Judgement notice in the mail last night. So they obviously never dismissed the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that the XXXX and XX/XX/XXXX mortgage payment was reported late on my credit report. On XXXX I contacted XXXX at Wells Fargo and was told that my account was never more than 30 days late. I was told I would receive a letter stating this and that those items would be removed! However I received a letter dated XX/XX/XXXX stating that they could not remove the late payments stating I was late for XXXX and XXXX of XXXX. They also had incorrect dates on this letter as the house was sold on XX/XX/XXXX of XXXX and they had late payment of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They also stated in that same letter that they reported XXXX and XXXX of XXXX as current and paid on time! Yet my credit report states that XXXX and XXXX of XXXX were late! I called back on XX/XX/XXXX and spoke with XXXX at extension XXXX and told him that I still needed a letter stating the truth which was that XXXX and XXXX of XXXX were current. It was on the letter dated XX/XX/XXXX but it was confusing as they stated they wouldnt remove or fix it, but then stated they reported it as current on those dates and its reflects on my credit report, which is not so! I also told XXXX that the dates of XXXX, XXXX, and XXXX were not accurate since the home was sold in XXXX of XXXX and those dates were XXXX. XXXX stated he would send a letter. On XX/XX/XXXX he sent a letter with a history of conversations but nothing stating the truth of the inaccuracies! These issues are causing me hardship in purchasing another home for my family of 6.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against American Express ( AMEX ) for inaccurate and unverified reporting on my credit profile with XXXX. The account in question, Account # XXXX, contains multiple discrepancies and has been misreported, resulting in unjust negative marks on my credit report. Despite prior requests, AMEX has not provided sufficient verification or evidence of compliance. Specific issues with this account include : - Incorrect Payment Status and Account Status : This account is inaccurately listed as 'Collection or ChargeOff, ' even though it was closed and legally settled with a XXXX balance. Furthermore, the Creditor Remarks inaccurately state Account Legally Paid in Full for Less than Full Balance, misrepresenting the settled nature of the account and failing to reflect a correct resolution. This status falsely represents the account and fails to meet Fair Credit Reporting Act ( FCRA ) standards for accurate and verified data reporting. 

- Non-Compliance with XXXX XXXX Standards : AMEX has not complied with XXXX XXXX standards for accuracy. For example : -Date Reported ( XXXX ) and Date of Last Activity ( XXXX ) are inconsistent with the accounts settled status and closed state. The dates provided imply ongoing delinquency, contradicting the fact that the account has been fully closed. 
XXXX XXXX ( XXXX or XXXX ) is inaccurately presented without proof or documentation, conflicting with the accounts true status and non-compliance with XXXX XXXX standards. 
-Term Length is inaccurately listed as XXXX, which does not apply to this revolving credit account. This further demonstrates inconsistencies in reporting. 

- Lack of Verification and Compliance Documentation : Despite requests, AMEX has not provided any proof of compliance with FCRA standards or XXXX XXXX formatting requirements. Under 15 U.S.C. 1681e, credit reporting agencies and furnishers must use reasonable procedures to ensure maximum possible accuracy. American Expresss failure to provide the requested verification documentation and evidence of permissible purpose for this derogatory status is a clear violation of this requirement. 

Relevant Legal Violations : This report lacks adherence to essential consumer protection standards : - FCRA Violations : Per 15 U.S.C. 1681e and 12 CFR Part 1022, AMEX must report accurate data, yet their reporting reflects serious inaccuracies that impact my creditworthiness. 
- XXXX XXXX Non-Compliance : Per XXXX guidelines, 'Any Deviation from These Standards Jeopardizes the Integrity of the Data. ' The inaccuracies in AMEXs reporting highlight a lack of adherence to these industry standards.
Product: Mortgage

I continue to dispute the XXXX modification, field adjustments and another XXXX they think I owe. 
In XXXX I owed {$210000.00} + {$43000.00} + {$20000.00} = {$280000.00} balance due {$150000.00} to fleet. {$55000.00} to XXXX. {$360000.00} to XXXX = {$620000.00}. 
{$140000.00} to XXXX. {$50000.00} to XXXX. 
= {$180000.00} = {$130000.00} to XXXX XXXX + {$61000.00} forclosure sale and their Attorneys value of {$78000.00} = {$130000.00} Total paid since XXXX = {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they want MORE!? 

{$110000.00} taxes and insurance + {$44000.00} paid to credit cards - {$160000.00} + {$270000.00} balance = {$100000.00} more. 

{>= $1,000,000}. INTEREST in 17 years. 
At {$70000.00} per year this is over 25 % interest -if I pay off a {$270000.00} balance today ( I have n't even paid off the {$20000.00} from XXXX that I never refinanced ). 

XXXX XXXX XXXX released XXXX mortgages in XXXX XXXX released twice and XXXX released another loan for the second time. All of which were supposedly paid of off from the current mortgage they refuse to release. 
XXXX offered me a refinance in XXXX I did not accept or sign. I will attach
Product: Payday loan, title loan, personal loan, or advance loan

I took out the first title loan about 2 years ago they was charging extra charges that I did not know and I had to get another car title loan so they rolled it over into the one that I have now so it been about 4 years been with them but now the car does not run at all and I am still paying on this car loan but they will not switch it over to a personal loan and I'm trying to sell it but I have to go through hoops just to get the title this is not fair The amount that I owe now is about {$7000.00} on the title loan but the car is not even worth XXXX it is worth about XXXX
Product: Credit card or prepaid card

I was the victim of fraud by a company named XXXX XXXX who misrepresented their products and failed to provide me with a receipt. XXXX refused to let me not accept shipment of their products and charged me {$4900.00} on XX/XX/21. I had contacted XXXX XXXXXXXX on XX/XX/21 and they returned the box to XXXX that had been dropped off for shipping. XXXX then proceeded to send another box for shipment. This purchase occurred at a Trade show in XXXX XXXX. In talking with the Trade Show Sponsor, XXXX, I also learned that this company had misrepresented themselves as to the products they were representing at the show. They had tole the show sponsor that they would be displaying outdoor products at their booth, not cosmetics. I contacted Citibank Creditcards and filed a dispute. Initially, Citibank reversed the charge. I also contacted my attorney about the transaction and he explained that this is a common scam and it is fraud. I wrote Citi to provide them additional information regarding the transaction. The bank decided to side with the merchant saying that the merchant would not cooperate and the charge was returned to my account in XXXX. 
I have, subsequently, had my care re-issued in order to avoid and future potential charges by this company.
Product: Debt collection

I've never heard of Portfolio Recovery, this company continue to contact me about a debt owed that I have no recollection of. This company and I haven't had any dealings or consensual agreement.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX my company received a wire request for payment for services completed by XXXX XXXX and XXXX XXXX, a contracting company that we conduct business with. The wire request came with the companies letter head but from a false email address, which had an additional letter in the middle of the address, with false bank account information, we sent the wire out on XX/XX/XXXX for {$130000.00} From our operating act. at XXXX XXXX in XXXX XXXXXXXX XXXX, Florida, XXXX to BMO HARRIS bank IN XXXX Illinois. the funds were transferred under the pretense that they were being deposited into an account of XXXX XXXX and XXXX XXXX. When we called to verify the transfer, our representative at XXXX XXXX and XXXX XXXX informed us that they had not received the funds and he believed we had been scammed, we called our bank to initiate a wire recall, I also filled out police reports and filed a claim on the FBI website, on XX/XX/XXXX we received {$11000.00} of the missing funds back from BMO HARRIS bank. since then BMO HARRIS has been subpoenaed for the account information of the individuals acting as XXXX XXXX and XXXX XXXX with no results, and the fraud team from XXXX says the can not do anything to help, I believe that the funds should be covered by the receiving bank as they received the funds into an account that was depicted as a legitimate business account but was opened by criminals
Product: Credit reporting or other personal consumer reports

AMEX {$2700.00} AMEX {$710.00} inquiries XXXXinquiries These lenders have accessed your credit file : XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX-XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX & Inquiry date XXXX XXXX, XXXX Removal date These are NOT my accounts I've uploaded police and ftc and nothing has been done these accounts are reporting on all three bureaus. Also XXXX refuses to remove fraudulent inquires that has been reported as well.
Product: Checking or savings account

My online account was XXXX a week ago, and I was given no notice. I called Discover, was put on hold for a long while, I requested the rep to have a supervisor call me back. I never got called back. I called again, was transferred to another department and was disconnected. I sent an email to the XXXX XXXXXXXX XXXX, and got no reply. See email below sent XX/XX/XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX 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, I've been a valuable customer since XXXX. Recently, there was a resolved dispute about a credit card charge, and yesterday, I got an email prompting me to check my messages. I tried but could not login to my account. I panicked and thought I may be a victim of online fraud. I called customer service, was put on hold, was told my online account was XXXX, requested to speak to a supervisor and was told the wait time would be long, so I requested a call back.. I never got a call back. I insisted that my account be reinstated. I called back an hour later, was transferred to a supervisory center and was disconnected. 

Why was my account XXXX? Why was I not given an email notification? Did a human do it? 

I need you to confirm that my account is reinstated via email. I can not answer phone calls during business hours as I am a teacher. 
I will not create a new account.
Product: Debt collection

Upon reviewing my XXXX XXXX, I have identified inaccurate accounts that need reporting and correction through your company.