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

On XX/XX/17, I purchased ( via telephone ) a sample of " XXXXXXXX XXXX XXXX '' and a sample of " XXXX XXXX XXXX '' ( for a total of {$10.00} ) from a company identifying itself as " XXXX XXXX XXXX '' in a television advertisement, having used my " Discover '' credit card to pay for my order. This order was billed to my Discover card and subsequently paid. 

I subsequently and unexpectedly -- received a package ( which I did not order ) via USPS, the label on which reflects the sender to be XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX, and indicates the contents are " XXXX '' and " XXXX. '' ( As of this date, this package is still unopened. ) On XX/XX/17, my Discover credit card statement reflects a billing by XXXX XXXX XXXX XXXX   XXXX XXXX an amount of {$89.00}, and an additional billing on XX/XX/17 by XXXX XXXX XXXX XXXX XXXX of an amount of {$87.00}, a total amount of {$170.00}. I assumed it was a billing for the aforementioned package delivered by USPS, again which I did not order. 

On XX/XX/17, I contacted Discover to dispute the XX/XX/17 and XX/XX/17 charges and was told the charges would be removed from my account and the matter investigated, and I was instructed to retain the aforementioned package pending the outcome of the investigation. 

I then received my XX/XX/17 credit card statement from Discover and found it to reflect two additional charges identical to the XX/XX/17 and XX/XX/17 charges mentioned above, again totaling {$170.00}. 

On XX/XX/17, I called Discover about the additional charges and was told that Discover would block my account so that the XXXX products company could not charge against my account any further. I was again instructed to continue to retain the unopened package mentioned above. 

I subsequently received correspondence from Discover stating the following : XXXXeve completed our initial investigation of your disputed transaction and have found in your favor. This means well reverse the temporary credit on your account and apply a credit adjustment. You will not be charged for this transaction, including any related interest or fees. 

I then received my XX/XX/17 credit card statement from Discover and found that Discover had not only reinstated the credited/disputed charges totaling {$350.00} but had added additional charges of another {$87.00} and {$89.00} ( totaling {$170.00} ), for a grand total of {$530.00}!!

I feel I have been misrepresented by Discover, in that they informed me that their investigation results were in my favor and then subsequently reversed their decision after they received information from the company who placed fraudulent charges against my Discover credit card without my authorization. Additionally, the XXXX products company NEVER provided me with any documentation as was sent to Discover either at the time of my original purchase of the samples nor at any time thereafter.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been divorced XX/XX/XXXX from XXXX XXXX whose last 4 SSN is XXXX. 

As she was getting pre- qualified for the mortgage at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, these enquirers have equally affected my credit score. The credit checks she initiated were done from the months of XX/XX/XXXX through XX/XX/XXXX. 

These enquirers should be removed from my accounts with all XXXX credit bureaus and any line of credit that are registered to her SSN or or me.
Product: Credit reporting, credit repair services, or other personal consumer reports

: Complaint Regarding Inaccurate Information on Credit Report Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Complaint against : XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX Dispute of Erroneous Information on Credit Report I am writing to file a complaint against the three major credit reporting agenciesExperian, XXXX, and XXXX  inaccurate and erroneous reporting on my credit file. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
Below are the details of the disputed accounts and information : * XXXX XXXX - {$600.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Credit card, Closed. 
* XXXX XXXX XXXX XXXX  - {$11000.00} and {$9200.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Auto Loan, Closed.

* XXXX XXXX XXXX - {$1500.00} * Collection account, past due as of XX/XX/2023. 
* Original creditor : XXXX XXXX, XXXX XXXX, XXXX. 
* XXXX XXXX - {$130.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Credit card, Closed. 
* XXXX XXXX XXXX - {$24.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Secured Card, Closed. 
* XXXX XXXX XXXX - Secured Loan * Paid, Closed with late payments. 
I believe this issue may be a violation of the Fair Credit Reporting Act ( FCRA ) and require immediate attention. 
I have made several attempts to correct these inaccuracies with the credit reporting agencies without success. These negative items are impacting my credit score and ability to obtain credit. I request the CFPB 's assistance in investigating these errors and ensuring that my credit report accurately reflects my financial history. 
Enclosed, please find copies of my correspondence with the credit reporting agencies, along with supporting documents that prove the inaccuracies. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Under FCRA it is numerous inaccuracies on my credit file. 15 USC 1681
Product: Debt collection

US bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

Truist has not enabled the ability to do external transfers to non-Truist bank accounts. I have called Truist multiple times and already set up and validated the accounts in their system. But, the web and mobile applications will not allow transfers. This used to work fine at Suntrust. Truist told me it is a known glitch, but has not resolved. I can not imagine how many customers are negatively impacted by this Truist failure to deliver.
Product: Payday loan, title loan, or personal loan

Good morning, In 2004 I included this Wells Fargo XXXX line credit into my bankruptcy. Both the loan and bankruptcy were in Colorado. Since then, it appears on my bank account as active and Past Due. I have repeatedly called, met with officers trying to get this removed from my record. 

During my latest attempt, the Wells Fargo representative looked at my account and very loudly pronounced well, youve got a XXXX line of credit that yiu are past due on! And everyone in the bank nearly looked at me. This is not the first time a Wells Fargo employee has been less than careful with private info. 

I was furious but politely left. She was completely unprofessional in both appearance and attitude and I was humiliated and had my privacy disrupted right there in my Brothers home town bank in XXXX XXXX, NV. 

The original loan was obtained in XXXX, Colorado. 

This has affected my credit and I am done trying to go thru Wells Fargo to clear it up. 

Thank you for your time and expertise.
Product: Credit reporting or other personal consumer reports

My report is not accurate and incomplete. Payments show delinquent for XX/XX/year> and XXXX of 2024 Account # XXXX XXXX XXXX Bank according to the fair credit reporting act whenever a consumer reporting Agency prepares a consumer reporting it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. 15USC 1681 ( c ) ( b ) and according 15USC 1681 I5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general after reinvestigation under paragraph ( XXXX ) of any information diputed. 
Please also see attached invoice provided by XXXX XXXX wich shows the inaccuracies on reports.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 
Please remove immediately the following accounts : The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report.

Ive became a victim of identity theft in have contact ever one but no answers By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Mortgage

I am trying to do a short sale with Selene Finance to resolve my mortgage debt. Unfortunately, Selene Finance has been unnecessarily dragging out the process. They first reviewed an offer of {$230000.00} which was submitted to them in XXXX. We gave them the Short Sale Program acceptance letter which they wanted on XX/XX/2021. At that point we had until XX/XX/2021 to submit all the necessary documentation for the short sale. On XX/XX/XXXX or XXXX our agent received a call from Selene Finance verbally stating that they are denying the {$230000.00} offer and that they needed a net of XXXX at minimum. The buyer on the file provided an offer with the requested net on XX/XX/2021. 
At that time correspondence with Selene Finance went dark. They would not confirm that we submitted all the documents on time, they would not confirm that we made the deadline of XX/XX/XXXX, they would not confirm that the file was being reviewed. 
Selene Finance then proceeded to request more documentation from the buyer on XX/XX/XXXX, XXXX.Then after being under review for multiple weeks Selene Finance requested an appraisal be done on XX/XX/2021. Mind you that when Selene Finance called on XXXX XXXX the representative stated that they were not doing internal appraisals due to the Covid-19 pandemic. 
In my opinion Selene Finance is intentionally dragging out the process by continuing to request documents that could have been asked for earlier thereby unjustly enriching themselves by increasing my mortgage debt.
Product: Credit reporting or other personal consumer reports

Companies reported hard inquiries to my credit report illegally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become aXX/XX/XXXX that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Product: Credit reporting or other personal consumer reports

Experian refuse to update my information on my credit report. I've tried calling multiple times and can never speak to a real person. I tried going inline. I created an login and still had no luck with updating information or with disputing false information.
Product: Credit card or prepaid card

12 CFR 1026.21 Treatment of credit balances ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 


First National Bank Of Omaha is liable and held accountable under CFPB regulations under 12 CFR 1026.21 to return to me as demanded in writing a full return of Credit Balance and limit payable by cashier 's check to address given and failure to do so will result in WILLFUL ILL-WILL and Federal Violation against I the original creditor and protected consumer.
Product: Credit reporting or other personal consumer reports

Several inaccuracies were found listed on my credit report from the company self. I filed a complaint with Experian to fully remove this account from my report with evidence Experian emailed me back with a updated report and if you look at the attached documents, nothing was changed and the account still remains on my report Account name ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless i have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Product: Money transfer, virtual currency, or money service

I was involved in a fraudulent transaction involving Ms. XXXX XXXX from XXXX Missouri who indicated she had a XXXX XXXX XXXX XXXX XXXX for sale. XXXX had indicated in her correspondence that vehicle was to be shipped by XX/XX/XXXX once the vehicle was sold to a buyer. 

Come to find out, this was all part of an internet scan involving XXXX XXXX and XX/XX/XXXXXXXX. I was informed to wire {$9000.00} into a trust account held at wells-fargo bank in the name of XXXX XXXX. That once the vehicle arrives, I will have about a week to decide if I wanted to take possession of the vehicle. ( see emails from XXXX XXXX and XX/XX/XXXXXXXX ). 

{$9000.00} was wired into a Wells-Fargo Bank account at XXXX XXXX XXXX, XXXX MS XXXX into account holder XXXX XXXX XXXX account that was setup as a trust account. 
See XXXX XXXX XXXX address. Come to find out, this was a SCAN as XXXX and XXXX XXXX did not deliver the vehicle on Monday as planned. Attempted to reach out to XXXX and XXXX XXXX, but to no avail. 

Immediately contacted my bank, XXXX XXXX XXXX in XXXX XXXX, MN and reported to the Fraud department that a scam had taken place. XXXX reached out to Wells-Fargo to freeze the account but was told they could not do anything about the situation. I also called and spoke with a Fraud Department at Wells-Fargo, but was informed no information will be provided to me as I do not have an account with Wells-Fargo and they have to protect their client 's interest. Informed them that this was a fraudulent transaction, but to no avail.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 142. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of 7 loans through PHEAA /Fed Loan Servicing totaling {$32.00}, XXXX these accounts were closed and transferred to XXXX XXXX XXXX XXXX The same loans are being reported by XXXX XXXX and PHEAA, the last delinquency on these accounts was in XXXX, and in XXXX they were transferred to XXXX XXXX  The total amount of student loans that should be listed o my credit report should be {$62000.00} and not {$94000.00}. If this is not corrected, I will take this matter to the state representative office and contact a lawyer. 

*** The amount of " NOT '' be listed on my credit report for {$32000.00} for these 7 accounts have been transferred to XXXX XXXX for servicing. 

Both XXXX XXXX and PHEAA Loan are reporting the same loans and that is illegal to report the same accounts twice to the credit reporting agencies. 
ic Please remove PHEAA ( FedLoan Servicing Center ) from my credit report file. Please see the attached documents,
Product: Credit reporting or other personal consumer reports

I am worried about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? For their convenience I have listed the alleged accounts in question : 1. XXXX  XXXX XXXX Balance : {$870.00} 2. XXXX XXXX Balance : {$0.00}
Product: Debt collection

I've tried to settle the dispute amicably and have the itesm with XXXX XXXX deleted from my credit reports. 

I spoke with XXXX XXXX representative XXXX XXXX who disclosed on XX/XX/21 at XXXX that the account can not be reported to a credit reporting agency and payment or non-payment of the account will not affect my credit score. I have a voice recording of the XXXX XXXX official. 

The XXXX XXXX acounts are being reported negatively and the data is from XXXX  yeara go and is improper. 

I agreed to settle, in good faith one acocunt, but the XXXX, First Source refuses to delete the item XXXX its collector denote and clesr the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Wells Fargo allowed an illegal/unauthorized transaction to occur ; the bank allowed my ex-spouse to deposit/cash a two-payee check from the US Treasury, which was a refund for overpayment which I made from income that I generated. As a consequence, I never received so much as XXXX cent from the check. This check was illegally cashed in XX/XX/XXXX. Wells Fargo never notified me, reconciled, or caught this transaction and they have not responded to my communication at all. 

I went to a NJ Wells Fargo branch on XX/XX/XXXX, reported the transaction, gave them a copy of the unsigned check ( which I obtained from the IRS ), and filed a complaint. I was told that I would hear from the back within 3 to 10 days. I never heard from the back. I then called the branch back on XX/XX/XXXX, and told the branch manager that I never heard from Wells Fargo ; he apologized and stated that he called the division which investigates such matters, but that the division stated that they had " a lot of work '' and should be reaching out to me within 2 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Notice for Proof of Claim Account : XXXX XXXX, XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also  request to see a certified copy of any contract or agreement between ALL AGENCIES and that gave you the right to collect this debt.