23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My ex husband was the primary XXXX XXXX XXXX account holder/account manager and person of contact ( and I was the primary social security number on the account ). Around XXXX of XXXX, During a separation we were transferring to different cellphone service provider. We went into the XXXX store and he paid cash to the small balance of aprox {$300.00}. 
A collection hit my account approximately a year later. This debt collection has lingered on my credit for over 3 years. I tried to fight it but it was difficult because at some point during all of this, XXXX went out of business and receipts couldn't be found. I decided to cut my losses. 

However, recently, in XXXX of XXXX, I got a new notification on my credit app on my phone that I had a NEW collections claim and my credit was impacted by over XXXX points! " Jefferson '' collection agency? I did not recognize the name of the collection agency, I was never contacted by a debt collector at any point in time via phone, email or mail. My ex husband never notified me of any contact if he was/is aware of any. After researching, This " NEW '' debt collection was from the previous debt collection claim with XXXX from year XXXX. 


I have made MULTIPLE attempts to contact this recent ( and false " new '' ) debt collector from XX/XX/XXXX and have not gotten an email or phone call in return. 

**My credit was severely impacted at two separate occasions, years apart from each other, for the same debt, over the course of approximately 4 years, that had been paid off years prior. 
This has severely impacted my credit score.
Product: Debt collection

XXXX XXXX started reporting on my XXXX that I owe to a collections agency called Jefferson Capital LLC {$2500.00}. Says it started on XX/XX/year>. I have no debt outside my car and my settlements with national debt relief. I believe this is fraud and somebody stole my identity. Also no calls or emails about this, it just popped on my credit report this XXXX randomly and I just saw it three days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally started disputing negative information on my credit report in XXXX of XXXX. I was receiving responses and notifications for a while. The disputes I sent out on XX/XX/XXXX I have YET to receive a response on! 6 months has passed, I have also submitted another dispute during that time on XX/XX/XXXX, so 2 rounds in 6 months with nothing from any of the bureaus. I just sent out a 3rd round on XX/XX/XXXX and am trying to patiently wait for responses, but why would the bureaus just stop responding to me out of nowhere? This is not good ethics or customer service at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several paper work and letters to XXXX  stating the information they have on file is fraud and I have disputed with XXXX and XXXX  and which those 2 companies removed that information from my credit report now its XXXX who has stated its been verified and I have ask for verification about this account and they have refuse to provide me information no letter no response only its been verified to of my knowledge I have a right to request documentation and as usually they refuse to give my that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

In this letter, I will practice my right as a client of Coinbase to claim for reimbursement. 
On XX/XX/XXXX, I entered into an investment contract with a scammer called XXXX and XXXX ( the Scammer ) to transfer the equivalent of XXXX USD. Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my money within a very short period of time. 
I advised Coinbase of this fact on XX/XX/XXXX, and I didnt receive any satisfactory response so far. 
I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account, and no trading actually took place. This was all a scam, and the recipient simply pocketed the money. 
Again, I apparently need to reiterate the fact that my money I transferred wasnt used for any investment, trading, or purchasing shares as was promised to me, my money was used for paying for service which I didnt get. My money wasnt in use for any actions, it was simply transferred to the owners bank account. 
Since I didnt purchase anything and I didnt invest in anything, my money wasnt in use for anything, it was simply pocketed by the beneficiary account holders. 
Their sophisticated, manipulative, aggressive emotionally/psychologically driven sales tactics specifically tuned in to my personal circumstances was a deliberate and vicious financial crime on me as a vulnerable and unsuspecting individual. 
I also understand now that there is a multimillion-pound industry out there with such companies operating to effectively steal people 's money using these tactics.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX  XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year>
Product: Checking or savings account

basically what it is is that a scammer made me uneligible to do banking with the banking industry here in the United States they pretty much scanned me and I ended up looking like a vulnerable adult because of them and so therefore I feel like I have been taking the opportunity to have a checking account away from me in a unfair way
Product: Debt collection

Threatened to sue for an old inaccurate amount of credit card debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have reached out to Indentity theft. gov here is my confirmation number for the two XXXX accounts that are due to identity theft. confirmation number XXXX. These two account do not belong to me and need to be deleted from all Credit Bureaus pleas.
Product: Credit reporting, credit repair services, or other personal consumer reports

mailed to XXXXexperian and I asked for a verify/and or validate this alleged debt owed to XXXX XXXX  also requested the contract and signature that I provided to XXXX XXXX ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 809 ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) of this section 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 a 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. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit card

I applied and was approved for an XXXX XXXXXXXX XXXX XXXX  credit card in accordance with an XXXX XXXX letter offering {$200.00} Bonus Awards after spending {$1000.00} within the first 3 months. I received the XXXX XXXX credit card and spent the necessary amount within the required time frame in accordance with their letter. However, XXXX XXXX refused to post the Bonus Awards to my account. The XXXX XXXX letter offering the Bonus Rewards is attached as information. 

I attempted to resolve this matter with XXXX XXXX by writing at least five secured emails sent through their website and made numerous phone calls to both their Customer Service and Rewards groups. All attempts have failed to equitably resolve this matter. 

XXXX XXXX acted fraudulently and engaged in unfair business practices by refusing to post the Bonus Rewards as advertised to my account. Your assistance is respectfully requested to compel XXXX XXXX to honor their commitment to post {$200.00} Bonus Awards to my account as offered in the attached XXXX XXXX correspondence. 

Please feel free to contact me should you have any questions or desire additional information. Thank you for your assistance.
Product: Checking or savings account

I filed a fraudulent complaint with Wells Fargo XX/XX/XXXX via phone call through their Consumer Service Department with regards to questionable activities on my savings and checking accounts. 

Date of Incident : XX/XX/XXXX all happened in Georgia consecutively just 1 day Physically I am residing in XXXX XXXX California ( since XX/XX/XXXX, before that XXXX Ca for 7 years ) Reported Fraudulent Activites via XXXX XXXX XXXX XXXX Wells Fargo ( XXXX ) XXXX from saving to checking amounting to {$4000.00}. ( @ {$2000.00} per transaction ) ( XXXX ) consecutive purchases amounting to {$3100.00} checking account Purchased at XXXX XXXX GA {$700.00}. Category ( other shopping ) Purchased at XXXX XXXX GA {$1900.00} Category ( other shopping ) Purchased at XXXX XXXX XXXX GA {$400.00} Category ( Electronics/Software ) Purchased at XXXX XXXX XXXX XXXX GA {$110.00} Category ( Pharmacy ) ( XXXX ) ATM withdrawal {$1000.00} on my checking at XXXX XXXX XXXX XXXX XXXX GA XXXX Wells Fargo ATM ) A complaint references were created. Just FYI during those entire conversation with the consumer service representative and I'm sure it was recorded, I was not advised to report this matter to the police for possible criminal liability. All they did was took all the details of my complaint. 

On XX/XX/XXXX I received via mail the resolution for one of my complaint with regards to the ATM withdrawal from my savings, They were saying that the {$4000.00} were tele transfered to my checking accounting thus closing my claim on that savings account. 

On XX/XX/XXXX received another email notice that my complaint for my checking account has been resolved and that they have not found any fraud thus my complaint was DENIED! 

How can their investigation be no fraud was found when I am in California and all those transaction done in 1 day consecutively happened in Georgia ( GA ). If they really did their investigation thoroughly my records since I opened an account with them that I never had any TELE-TRANSFER transactions or used that kind of transactions and never filed any complaints before this is the first time I had this kind of incident and VERY DISAPPOINTMENT on how they handled my complaints. 

Hoping thru this I can get some results and really praying that my hard earned money amounting to {$4100.00} be returned to me by Wells Fargo. I would love to continue doing business with them but this incident now made me think twice, I am now contemplating transferrering all my accounts ( XXXX in all ) to another Bank. I will also advised my friends and relatives to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

All THREE Credit Reporting Bureaus- XXXX , XXXX  and Experian are FALSELY reporting an Unverifiable Bankruptcy that has been REMOVED from my XXXX XXXX XXXX by XXXX XXXX since XX/XX/XXXX. 

I have disputed the Bankruptcy Report several times with ALL 3 Bureaus to NO AVAIL.It is Fraudulent Reporting. 

I have submitted the Removal VERIFIED BY XXXX XXXX DATED XX/XX/XXXX TO all 3 Credit Reporting Bureaus. 
I have a copy of my XXXX XXXX XXXX XXXX  Dated XX/XX/XXXX. 

All Three Bureaus Refuse to remove the Bankruptcy stating it has been Verified by XXXX XXXX. 
NONE OF THE CREDIT BUREAUS HAS REQUESTED A RISK VIEW REPORT UPDATE IN MORE THAN 22 MONTHS AS REPORTED TO ME BY XXXX XXXX. 

I was denied an Automobile Loan in XX/XX/XXXX because of the bankruptcy. 

Further All 3 Bureaus indicate my 'oldest ' credit account is 4 years old ... I have credit cards that are 8-12 years old and perfect credit.
Product: Credit card or prepaid card

The bill was sent, the balance was paid in full by the due date, but Chase XXXX decided they want to bill an additional {$10.00} after the balance was paid in full. They refuse to make corrective action and are sending falsified bills because they will charge however they please even when the balance is paid in full after complying with the funds requested by their statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below is the email I sent to the company, but the supervisor, XXXX XXXX implied it was not likely going to be removed. 

Dear XXXX XXXX XXXX, RE : Invalid Inquiry and request for immediate removal of the same. 

I appreciate you removing the unauthorized inquiry on my credit report listed below. In the event Equitable Acc did have the legally required signed authorization to make this inquiry, please forward it to me immediately. 

I 've never done business with Equittable Acceptance, and do n't intend to in the future. As per our discussion, my ex-wife did do business with this company, but we were not married at the time ( divorced for past XXXX XXXX ) and would not have given Equittable Acceptance authority for access to my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( Direct ) New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2017 Alert Type New Inquiry Processed Date XX/XX/2017 Inquirer Name EQUITABLE ACCEPTANCE Phone Number ( XXXX ) XXXX Industry Type Finance
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened- XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened- XX/XX/XXXX Account Name : XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Date Opened - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I WILL BE SEEKING LITIGATION AND MONETARY COMPENSATION FOR VIOLATION OF RIGHTS IF THIS IS NOT CORRECTED IMMEDIATELY : See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : The consumer reporting agency says the third party company " verifed '' the false information unlawfully as I have not given any XXXX party creditor, collector or business the authority to submit any non public information about me to the consumer reporting agency. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have not given the consumer reporting agency my permission, nor the furnisher of the information below to report this information in any way, shape or form. 



See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Furthermore, This letter serves a written notice : I formally revoke, renounce, opt out, quitclaim, and waive ANY and ALL insinuated and or direct permission to XXXX  and the following companies that are listed below, to report these following items on my report. XXXX is now aware of these revoked permissions and will now be held liable. I am requesting that the following items be deleted permanently and immediately, as via my right to exercise that nondisclosure option, as expressed in the FCRA 15 U.S. Code 6802 :
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on TransUnion, there has been a fraudulent account on my credit file that has been opened without my authorization. I do not recognize the account. The account is as follows Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account Open Date : XX/XX/year>. Account number : XXXX. According to XXXX XXXX, the account has been transfered to a debt collection company named XXXX XXXX XXXX ph. XXXX Please remove this from my TransUnion credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, and XXXX XXXXXXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Product: Credit card

A fraudulent transaction was made and disputed using my company 's credit card for {$2100.00}. I contacted American Express to advise them of the vendor 's failure to provide the merchandise that we agreed upon. They also inaccurately exaggerated their abilities to meet my company 's standards saying they were qualified and experienced. 6 months later, my company discovered that they in fact did not have the ability to produce the requirements. To conclude, we never received any merchandise and the vendor was fraudulent. I attempted to contact the vendor multiple times, but I have not received any satisfactory response or resolution. In addition to the non -receipt of some items, a portion of the merchandise that was delivered was incorrect. The items do not match the description or specifications that were agreed upon at the time of the purchase. I have sent American Express correspondence with the vendor and additional documentation that supports my claim. I kindly request that you investigate this matter and reverse the charge on my account as the vendor has failed to fulfill their obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help.
Thank you, XXXX XXXX