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

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Transunion told me they got my information and the dispute letter I sent to them, but they did not investigate it since they thought it was not authorized by me, but rather a credit repair company. 
On XX/XX/2023, XXXX also sent me a letter thinking it was not authorized by me, the dispute letters I sent them, so this is becoming unfair because I AM the individual writing out these letters and wanting information sent. 
Transunion XXXX XXXX has been bullshitting me for months and I am getting angry and really annoyed with them because my rights as a consumer are being played with. How is it within my rights to challenge something or anything of that matter that I feel is wrong but every time I get the same letter back from them. 
Please advise and help me fix this, thank you
Product: Debt collection

I am filing this complaint regarding a debt that XXXX is attempting to collect, which is inaccurate and unverifiable. The account in question is for XXXX XXXX, with an alleged balance of {$6700.00} ( Account XXXX : XXXX ). XXXX has reported this debt to the credit bureaus, which is damaging my credit profile. 

On XX/XX/year> I sent a formal debt validation request to XXXX under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In this letter, I requested the following : 1. Proof of ownership of the debt, including the original signed agreement or contract.

2. A complete account history from XXXX XXXX, detailing the balance, charges, and payments. 
XXXX. Documentation proving that XXXX has the legal authority to collect this debt. 
XXXX. XXXX that the debt is not time-barred under state statute of limitations laws. 

XXXX has failed to provide any of the requested documentation. Instead, they have continued collection efforts and reported this account to credit reporting agencies, violating the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). This failure to validate the debt has caused harm to my XXXX XXXX and financial standing. I believe HWARFIELDs actions are deceptive and unlawful under XXXX XXXX. XXXX.
Product: Checking or savings account

Wells Fargo Checking Account XXXX Routing XXXX I took action XX/XX/2020 Bank account closed due to my online account being hacked. 
It closed overdrawn but later gotten handled and sent me documents of my account closing out a positive balance.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2021 XXXX the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello PLEASE READ the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The XXXX 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney Lustig, Glaser & Wilson PC. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to XXXX and XXXX. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts XXXX laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.
Product: Bank account or service

This is the second part to compliant # XXXX I receive this document, firstly I received a escrow review statement that inform me the escrow shortage was XXXX. ( paid XX/XX/XXXX with the monthly payment ), then I was informed by a bank rep that I need to pay another XXXX to bring escrow in compliance so on XX/XX/XXXX another XXXX was paid this should have brought escrow in compliance and keep the mortgage the same. Now I receive this document. I have been told that unless I sign this document I will not be able to keep my mortgage the same even after paying the escrow shortage ... by signing this document I will give Well Fargo the right to review escrow every XXXX months and to make adjustments that will only benefit them.
Product: Debt collection

Accelerated Receivables out of Florida keeps calling to collect some type of debt and are looking for personal information as to address social security number and never say who they are representing and refuse to give any information and as well I refuse to give them any information - these folks are the ones calling and have information but will not share it and as well I will not share with them. 

Accelerated receivables / XXXX, FL /XXXX
Product: Credit card

This is the second complaint that I have had to file against the same company. Their customer service department and management team has been willfully deceitful in the handling of my account for over a year now. I was disputing transactions and the Apple/GS Bank continually denied the dispute without ever fully investigating my claim. They abruptly closed my account without reason, merit, or explanation. It was not until the CFPB got involved did Apple/GS Bank credit my balance for the dispute. HOWEVER, after my balance was credited, it created a credit balance that was due back to me because the dispute amount exceeded the current balance. I spoke to Apple/GS Bank and was told that the " credit refund balance '' would be deposited to my linked account within XXXX business days from XX/XX/2024. I was given the case number XXXX. XXXX business days came and went, and I did not hear anything from Apple/GS Bank, nor did I receive any deposits, That case number anonymously closed out without explanation... I reached out to Apple/GS Bank only to find out from a representative that the case for my " credit balance refund '' had somehow been denied and that it would not be sent for some reason. Upon pressing the representative for more details, he indicated that because no payment was made during the temporary credit times, no credit refund would be issued. I then asked him, why would anybody make a payment, when I had a " positive balance '' with XXXX Bank while the disputes were temporary? THIS AGAIN, is a violation of the XXXX Credit Billing Act to require payment for items in dispute. That representative opened an entirely new case number of XXXX, to which he said, " we'll see if they approve it. '' This is totally unacceptable, and I let him know such. 

I am filing this complaint now for a few reasons. XXXX, Apple/GS Bank has again violated the Fair Credit Billing Act by refusing to send funds due back to me. 2, Apple/GS Bank has again taken adverser and retaliatory actions against me for whatever reason. XXXX, I would like my funds sent to me expeditiously. And FURTHER, I would like other members of the public to know my experience and what Apple/GS Bank is capable of and/or the type of service can be expected. To that point, without proper resolution, I do plan to further exercise my legal rights including further reporting to the Office of the Comptroller of the Currency, Federal Reserve, and State regulators. I also plan to take my story and experience to social media to really push the issue of how I have been treated.
Product: Debt collection

The company name is Wakefield and Associates. I have attempted to contact this company as they are reporting a total of 3 different collections on my credit reports. I am unable to even get a resolution or information on the debts they are alleging against me. 

The following debts are : {$1100.00} {$170.00} {$110.00} I don't even know what form of debt this is, nor have I receive any correspondence. It is a shame how these companies and credit bureaus can just list anything on your credit, but we as consumers can never resolve. I even went thru a credit company for assistance.
Product: Credit reporting or other personal consumer reports

was a victim of ID Theft. There are accounts on my XXXX Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXXXXXX 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

The disputed account is XXXX , XXXX. XXXX ACCT. NO.XXXX.A default judgment is appearing as a collection account on XXXX, XXXX AND EQUIFAX.It is appearing as a collection perhaps to avoid properly displaying as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted in recent years.In addition, the DATE OF 1ST DELINQUENCY has been re-aged, another FCRA clear violation.The DOFD coincides with the date of judgment entered ( attached court record ) which is impossible considering the nature of the debt, ie : back rent.The delinquency of the debt was many months prior to the stated DOFD.All 3 bureaus, following numerous disputes permit a false, re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT creating a loophole for the ACCURACY AND COMPLETENESS of reporting demanded by the FCRA
Product: Checking or savings account

I deposited a settlement check from a lawyer 's office and although they said funds were available two days after, it still hasn't posted. I contacted the bank several times and am being told to wait that there's a hold until XX/XX/22 the check was deposited on XX/XX/22 .My siblings all received the same check and they all have already cleared by their banks. They have not released any money to me.
Product: Checking or savings account

On XX/XX/2022 at XXXX p.m. I received a text from Chase Bank stating " JPMORGAN CHASE fraud Dept. Did you attempt a {$5000.00} XXXX- Transfer? Reply YES/NO/HELP Don't want fraud text? Reply REMOVE In which I responded " no '' and then I received " Glad that wasn't you! The transfer is currently pending, a JPMORGAN CHASE Bank representative may reach out to you shortly '' Approximately 5 minutes later I received a call from Chase. The gentleman stated he was calling from chase fraud dept and gave me an agent id. He proceeded to tell me someone had requested a XXXX transfer of {$5000.00}. After I told him I did not request XXXX Transfer he proceeded to tell me that I need to reverse the charges from XXXX to send the {$5000.00} back to me. He requested that I transfer {$1600.00} from one account knowing exactly how much was in that account. He then proceeds to tell me that I needed to transfer {$3300.00} from the account that had {$6600.00}. It was as if he could see my account and how much money was in the account as the numbers, he was stating matched what I was seeing. He did try to get me to transfer more but I had reached my daily allowance in withdrawals. After hanging up with him I received another text from Chase stating the same as above then followed by another call from the gentleman telling me to disregard the text further leading me to believe it was Chase calling me. A little later I proceeded to call Chase because I did not feel good about things. Chase did file a fraud report. The next day I received another text from Chase stating the same thing as above. 
It was then followed by a phone call. I did contact Chase to let them know someone was trying to get me to XXXX more money but they were not concerned about it. The following day I received another text, followed by a call and again Chase was not concerned
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX  Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account : XXXX Creditor : ( Original Creditor : XXXX XXXX ) Account : XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX they would not take nothing off I gave police report identity theft report you're not paying me no attention I've been going through this the last two years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters to Transunion. Transunion has refused to send me any investigation results for my dispute letters. I have sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and certified on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX - XXXX I am writing to inform you that I am disputing the account being reported by your company on my credit reports due to potential inaccuracies and lack of completeness. I previously disputed this account with the credit reporting bureaus, but it was reported as verified and accurate. However, it is important to acknowledge that disputes are often handled using software, such as e-Oscar, which may lead to mistakes and limitations in conducting a thorough investigation of records. As the furnisher of information, I am directly disputing the following details with you and requesting that you conduct an investigation in accordance with the FCRA Section 623 as outlined under FACTA 312. This provision grants me the right to request a reasonable investigation of the information being reported to the credit bureaus. Should you be unable to perform a reasonable investigation or locate the necessary documents to address my dispute ( s ), the FCRA mandates that you remove the negative information from my credit reports. This may also entail the complete removal of the account. Moreover, in accordance with FCRA requirements, it is essential that this erroneous information is permanently blocked from any future re-reporting attempts by your company or any associated entities. If you have indeed conducted a proper investigation of the records for this account and have determined that the reported information is accurate and complete, kindly provide me with an explanation of the methods employed during the investigation and a detailed description of the records reviewed. I would appreciate receiving a copy of this information to conduct my independent investigation to verify the accuracy of your records and confirm the completion of a reasonable investigation. Additionally, I kindly request a copy of the 1099 that was issued. Please note that I have initiated this communication voluntarily, and any future correspondence regarding this dispute should be directed to the address provided above. This letter serves as an effort to rectify any false or misleading information currently being reported on my credit reports and to ensure the accuracy of your records. Thank you for your prompt attention to this matter. XXXX : XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am requesting your reinvestigation for account # XXXX with " XXXX XXXX '' as it is still reflecting inaccurate information. My account reflects " late payments '' for dates XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. These date and all others were in fact paid on time. In accordance with 15 U.S Code 1681e, please reinvestigation and update to accurate status of PAID ON TIME AND NEVER LATE.
Product: Checking or savings account

I got {$18.00} of gas at the pump at XXXX 's in XXXX, AR. This morning when I checked my USAA bank account I noticed another charge from XXXX 's for {$140.00}. Although it's marked as " pending '' the funds are withdrawn from my balance and not available to me. I called XXXX 's and was told " It's not us. We don't hold money from your account. Call your bank ''. When I called the bank they said " It's not us. Call the store. '' Meanwhile I have to wait 5-10 business days for either the pending charge to fall off or the dispute to be resolved. This is very bad business. Not only are they finger pointing at each other but nobody will take ownership of charging me {$140.00} for no reason. Plus I will have bills that may not clear now because these funds are not available to me and I did nothing wrong. Why on earth would the bank need 5 business days to process a transaction in 2024. They are certainly quick to take the money but nobody seems interested in giving it back or even being accountable for a fraudulent charge.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYMENT INFO DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit card or prepaid card

I am self employed and was hit hard by COVID. So, I sent a hardship letter with a $ XXXX check in a large USPS Priority envelope to Citicorp to close this account. 

They cashed the check so I thought that closed my account, but they continue to call and write, so I continued to send them copies of the hardship letter. 

Please help get this account closed. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX {$0.00} XXXX Remove Account XXXX XXXX XXXXXXXX {$0.00} XXXX Remove Account