23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My Wells Fargo debit card was stolen in XX/XX/XXXX and charges were made for XXXX while it was not in my possession. Wells Fargo is telling me I am being blamed for the charges made and the funds will not be refunded to me. I have no idea who used my card and I have been depositing money on my account for years & even after I received the new card ( after fraud took place ). If, in fact, I stole my own money, I would not have deposited over {$4000.00} into said account for the bank to take my money. I wouldve let the account close and opened a new account with another bank. I feel like I am being discriminated against ha & accused of stealing my own money. I spoke with numerous representatives and they all told me multiple things. They all told me that they do not have any evidence that I stole my own money but they BELIEVE I know who took my money. I do not BELIEVE personal beliefs should be a deciding factor in this financial decision. My account has been in great standing since it was opened in XXXX. There is no reason to BELIEVE I would steal my own money from my own account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX acct no XXXX and XXXX are duplicates of each other and are on my XXXX and XXXX credit bureaus and are removed from XXXX.the hospital bill from XXXX XXXX, the original creditor is not proper as I was in XXXX XXXX at time of service.I was brought by police for a XXXX XXXX XXXX so any consent on my part was against my will/under duress as I had refused the XXXX XXXX.I would like this collection removed from my credit reports.
Product: Checking or savings account

So the company gives you a XXXX dollar threshold so my account as they say went over XXXX as they say but yet on the site it gives you a time before the overdraft fees occur i deposited funds within the time frame they asked in my account its literally below the threshold they provide without the overdraft fees that they applied to the account and they won't remove the fees telling me unless I make a deposit then the fees will be removed but I'm not in the negative
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2021 SSN : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an online dispute with Equifax for the XXXX account ( Confirmation number : XXXX ), as the payment history, and account status was incorrect. I never heard from them. It's been well over 60 days. On XX/XX/XXXX, I submitted another dispute ( Confirmation number : XXXX ) advising them to remove the account, as it was inaccurately being reported. Still no response. Now all my positive accounts and some of my negative accounts from XXXX have been removed and they are reporting only 3 accounts which is negatively impacting my credit rating. However when I view my credit report from Equifax, I can see all of my accounts. I need my history back.
Product: Mortgage

Hello, XXXX XXXX is the original lender who financed our home in XX/XX/XXXX. I understand companies sell mortgages to each other but this incident will be at my expense. Selene Finance LP sent me a letter XX/XX/XXXX stating this servicer switch will be effective XX/XX/XXXX. Two months a year, 3 mortgage payments are deducted while the third payment is payed solely to principal. XXXX XXXX did not take a payment on XX/XX/XXXX and the company also has no information about my account. This leads me to believe the three payments will not be deducted this month and it will be at my expense because the mortgage will not benefit from the additional payment. This is not acceptable!! After a brief conversation over the phone it was clear Selene Finance LP will not take responsibility or do anything to fix the problem their company has caused. 


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

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : 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 : Identify the original creditor : 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 : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { Experian, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Debt collection

I have not supplied proof under The doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Other financial service

I went into a CheckSmart located at XXXX XXXX XXXX XXXX XXXX, Ohio to cash a check in XXXX 2015. The teller XXXX was in a huge hurry because she was scheduled to be off. She quickly called the number on the check to verify the check and funds and cashed it. Today XX/XX/2015 I am getting threatening phone calls from XXXX XXXX at Checksmart Corp telling me I know why he is calling me and he has plans for me to answer to the law, my life is over, huge threats he is making. I have no idea what is going on because he was too busy threatening me and telling me I already knew why he was calling. This is in no way how you conduct business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a certified letter to Equifax asking them to investigate and validate the following two accounts on my credit report. 
XXXX XXXX XXXX XXXX Equifax sent letters back saying they were verified. I sent another certified letter on XXXX XXXX, 2017 for XXXX XXXX and on XXXX XXXX, 2017, for XXXX XXXX, informing them that they failed to verify the accounts, asking for a re-investigation and the method of verification of both accounts. I also asked them to provide me with documents bearing my signature, showing that I have a legally binding contractual obligation to pay the creditors the exact amount claimed. On XXXX XXXX, 2017 I received a letter saying the same thing for XXXX XXXX verified. On XXXX XXXX, 2017 I received another letter saying verified for XXXX XXXX. 

This is a violation of the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Have letter dated from XXXX/XXXX/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect.
Product: Debt collection

The original debit reported was {$150.00}. I requested the last bill statement and that incurred an additional charge making the total {$160.00}. I paid the balance in full and the charge was removed from my credit report. The charge has reappeared and I confirmed with XXXX  it is paid in full. AmsherCollectionServices is hard to reach and if you do get an agent they are rude and not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

An application for business credit was applied for using BUSINESS credentials -- not personal information was inputted into this application ( i.e., SSN ). Equifax allowed XXXX XXXX  access personal information for a business credit card. XXXX claims that based on the terms of the BUSINESS APPLICATION that they were authorized to check personal credit, but this is NOT the case if the only credentials you have on the APPLICATION is the EIN of the BUSINESS and not the SSN of the personal applying. XXXX allowed access of my information without having proper authorization, and XXXX XXXX instead of aborting the application process infiltrated my privacy by prying beyond what they had access to. They need to provide the actual application and not just the terms of a generated web TERMS and AGREEMENT document. A denial letter is attached whereby XXXX XXXX  checked MY PERSONAL CREDIT FILE WHILE HAVING NO SSN on their application to do so.
Product: Student loan

As of XX/XX/XXXX, my student loans were completely paid off. During XX/XX/XXXX I was experiencing financial struggles so I decided to request a refund for all the payments I made on my student loan after XXXX a total of {$3100.00}. Upon this request that I made over the phone they told me since I've made all my payments through direct deposit I would get a refund within 3-5 business days to the same bank account. 5 months later XX/XX/XXXX I have not received a direct deposit nor a check in the mail. I have not been contacted by Ed Financials about this issue. I've called many times to resolve this situation. Three months ago I request that they cancel this refund, at this point, I no longer need this money. Since the first day of my request, a balance of {$3100.00} has been shown in my account. Student repayment begins in XXXX and if this issue is not resolved by then I am focused to pay new interest on my balance. This situation is very frustrating because this loan provider never gave me any documentation about this transaction, no confirmation, and no detail on the timeline. I'm left with a lot of unanswered questions and a new debt to clear without warning. If I had known that there would be possibly any issues with requesting my refund I would have never made the request.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under NORTH STATE ACCEPTANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXX the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. 

I wrote to XXXX, XXXX, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXX XXXX XXXX  XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX A notarized Identification has been attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND A CONSUMER. I have done several disputes with Experian with regards to the following accounts : XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX. XXXX, XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX. These transactions should be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ( b ) ). I am demanding that Experian removes these transactions from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 Chapter 41. They are also in violation of federal law 15 U.S.C. 1681b ( 2 ). I never gave them written instructions to reflect any of these accounts to my consumer report. With that being said, it is identity theft. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Experain received all documents and supporting evidence of my complaint through the mail on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX disputing an account they are reporting on my credit, they sent me information on the account yet neglected to report it disputed on my report in the required 30 days. I have notified them of this failure to comply with the law and they refuse to remove the miss-reported account of my report. They are also reporting late payments on an account that never had payments based on their own records, it is a charge of therefore can not have late payments. They have refused any more contact in this matter and have said it is harassment if I attempt to resolve this with them. 
The law is clear and they have failed to comply with it and the miss-reported account must be removed from my credit report as well as they should be fined for snubbing their nose at the law. 

I Also attempted to have Equifax remove this but they referred to XXXX XXXX XXXX response and refused.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I received a secured message from Transunion AGAIN, stating that the PROOF OF ADDRESS was not accepted. See message below : Re : Proof of Address Unacceptable - Reason # XXXX We have received the documents you supplied for proof of your current mailing address : however, the document ( s ) were unacceptable due to one or more of the following reasons : Reason # XXXX : One or more of the documents provided was too old. Refer to the timeframes listed below. 
Reason # XXXX : One or more of the documents provided was illegible. 
Reason # XXXX : One or more of the documents provided was not a qualifying document. Refer to the list below. 
Reason # XXXX : Only one form of proof was provided. Two ( 2 ) qualifying documents are required. 

Please provide two ( 2 ) current forms of the qualifying documents listed below. 
- Driver 's License - State ID Card - Bank or Credit Union Statement - Cancelled Check - Government Issued ID Card - Signed Letter from Homeless Shelter XXXX Stamped Post Office Box Receipt - Utility Bills ( Water, Gas, Electric, or Telephone ) - Pay Stub Please have your file number ready XXXX Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) the documents I provided are ACCEPTABLE as I provided ( XXXX ) BANK STATEMENTS- XXXX FROM CHECKING ACCOUNT AND XXXX FROM SAVINGS ACCOUNT. These are XXXX separate account numbers therefore XXXX separate accounts. Furthermore, my driver 's license is a REAL ID. 

Continued refusal to handle this claim in a timely manner is going to result in LEGAL ACTION being filed, and Transunion can explain to a judge why they continue to violate FCRA 605B as I have supplied everything that is legally required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in reference to CBE GROUP knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq
Product: Credit reporting or other personal consumer reports

Bridgecrest cites the date last paid is XX/XX/2020 when my last date of payment is XXXX they are re-aging debt- they and XXXX and thats illegal . Per 15 U.S. Code 1681s ( a ) 1 ( A ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

XXXX is wrong and is infringing on my rights. This IS NEW AND RELEVANT! I deserve a fair investigation.
Product: Credit reporting or other personal consumer reports

I received the email from the company concurring with what I am saying about the account and I receive the email from XXXX XXXX concurring what Im saying that my accusations are accurate. And I.
Product: Credit reporting or other personal consumer reports

These inquiries I did not authorize XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Inquired on On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I opened a student loan with them in XXXX and XXXX however I never signed a master promissory note with this service provider. My original loan was with XXXX XXXX and Im not understanding how this would be accurately reported for these years by XXXX. I was never supplied with any loans from XXXX. Please request that they send their promissory note with my signature to verify this is actually a loan that I signed for with them. If there is no promissory note between myself for the dates reported by XXXX then I would like my credit report to reflect the accuracy that is within my rights as a consumer.