23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Checking or savings account

on XX/XX/2023 added a new checking account to my account and while the card was being sent to me in the mail. on XX/XX/2023 I contacted a representative to receive the card details, but once I found my card details I didn't need their service anymore so the rep begin to get upset with me because I was confused to what she was saying to me but I kept repeating I will just wait for my card to arrive in the mail. later on that day I begin to log into my online account and its denying me any access to my account and I call in to see the problem the rep tells me my card has been reported lost or stolen and I never reported my card lost or stolen then my account was put into restriction with no explanation. I get connected with security and they tell me my account is fraudulently created and its not I've sent in multiple supporting documents to help with this investigation. My health condition prevents me from leaving the house and I really need this account as I have a monthly direct deposit being credited to the account they asked me for verification documentation that I sent in
Product: Debt collection

I mailed letter telling them that debt was paid years ago. But I'm still receiving letters. This debt was paid in 2017 It was paid 6 yrs. ago and is still reporting incorrectly for 6 yrs.
Product: Credit reporting or other personal consumer reports

The following Accounts were paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed 1099-C : XXXX XXXX XXXX XXXX account numbers XXXX XXXX XXXX  XXXX XXXX account number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold a debt to XXXX XXXX who sold it to velocity investments who filed a lawsuit in XX/XX/XXXX. We had a court date set for XX/XX/XXXX. They failed to show up for court. The judge dismissed for want of prosecution. They never did provide the appropriate documentation according to Texas law on me actually owning this debt because they do not have the right documentation. The judge felt like they had plenty of time to provide evidence. The had thirty days to file a motion. They have three days left to file and havent done it yet. This should be removed from my credit report. If you cant prove I owe the debt in the court of law it should be scrubbed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I filed for an Auto Loan and I came across discrepancies on my credit report and my credit score. According to the report, I have a total of 8 accounts on my credit file when I have a total of 6. Secondly, I have XXXX XXXX as a satisfied account for my credit and my balance is in good standings. Thirdly, XXXX XXXX should not have screened my credit multiple times when they initially had ran my information on file to share with there sister branches through XXXX. Furthermore, I contacted XXXX XXXX XXXX about my ambulance bill from XX/XX/2018. They have submitted a payment request last month on the XXXX of XXXX to my insurance and told me they will remove this off my credit once satisfied from pending claim. Lastly, my credit score shouldn't be so drastically different from all bureaus.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1500.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, MEDICREDIT INC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
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 :
Product: Bank account or service

On Monday XXXX XXXX 2016, I proceeded to the Chase Bank in XXXX XXXX IL. The sole purpose of my visit was to take my mom in to close her current account and to open up a new one, due to a scam that she encountered due to a purchase on the internet. Once that was completed I proceeded to open me a new account with chase, based upon a conversation that I had with a representative stating that I could do so because I no longer owe chase that money. So I proceeded, the account was opended and I went home, The following day XXXX XXXX 2016. I proceeded to enter a Chase branch in XXXX IL to request a different design debit card. At that time I was told that my account was closed, they snatched my debit card, and pushed me out of the Branch without a explanation. I then called the customer service number, who informed me of the same thing. but yet did not tell me why. Only that they will mail me a check, my account is closed, and no one else in the whole company can tell me why my account is closed. The funny part is, here today XXXX XXXX 2016 and my account is still open per my Chase mobile app, with the XXXX still in my account.That was my only means of money and yet they still have the account open, so how is that possible when chase was rude and lied and did not give an explanation!!!!!! I was treated unfairly and discriminated against!!
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I was taken advantage of due to non-practical laws being broken due to XXXX by your company. This is causing financial injury. This destination of character. I can't get a job. I can't apply for credit. Hey I can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit. I sent in the letters on XX/XX/2021. Then I sent in the next letters on XX/XX/2021. They fail to send me a notice within 30 days. This is against the law.
Product: Credit reporting 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 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: Credit reporting or other personal consumer reports

This creditor has never provided me proper debt validation for this alleged debt and violated my rights by not giving me a chance to address alleged debt and has also reported four late payments and a collection charge off account as bad debit to consumer reporting agency without supply me with any 1099C or 1099A, or any kind of notification and tricked me to pay alleged debt settlement for less of alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

The XXXX XXXX XXXX site will not allow me to login to my account. There is an error with the system either timing out while trying to log in or it has an issue with cookies. The site locks you out of your account ( even after allowing you to go through layers of verification- which have to be correct or the system does n't let you proceed ) and there are no protocols in place to unlock the password or account on the weekends. 

I am buying a home, and keep my money for appraisal/inspection/insurance in this account. I will now be unable to access the account to set up a transfer in any capacity until Tuesday, potentially causing my student loan payments to now bounce since I 'm on auto pay and and was assuming I could ... You know, access the money in my account to help cover the XXXX $ appraisal I went ahead and paid for. 

No way to access to my account or money for three days or a bank with no physical presence being closed for that long should be illegal.
Product: Credit reporting

On XXXX XXXX XXXX, I wrote to Equifax disputing my current mortgage on my credit file ( XXXX or XXXX ) is currently reporting my first delinquency date being XXXX XXXX. I had supplied documentation ( enclosed XXXX to them outlining that the previous servicer XXXX XXXX XXXX XXXX XXXX was reporting on my credit file that my first delinquency date was XXXX XXXX. 
On XXXX XXXX XXXX, Equifax written a response ( enclosed XXXX that XXXX is no longer reporting because of the date of the first delinquency XXXX XXXX XXXX ) being reported on my original credit report dated XXXX XXXX, XXXX XXXX enclosed ) is beyond the 7 year statue of limitations. 
Equifax also responded on XXXX XXXX, XXXX that XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does belong to me. I never had mentioned in my previous dispute ( enclosed ) that the account was not mine. I specifically disputed that my original servicer ( XXXX XXXX XXXX XXXX was no longer reporting on my credit file and XXXX should also not be reporting as well and nothing else. 
I also have provided a previous credit report dated XXXX XXXX, XXXX before the loan was transferred over to XXXX on XXXX XXXX, that the date of first delinquency did not change and it was always shown as XXXX XXXX XXXX see bottom of page XXXX going into page XXXX of the XXXX page document and the highlighted page is included ). 

Please also keep in mind that the other XXXX repositories XXXX XXXX XXXX are no longer reporting this trade-line. 
The desired resolution I want to have occur is that the account XXXX be removed from my credit file because the date of first delinquency was over seven years ago and is now obsolete and be removed just like the previous servicer XXXX XXXX XXXX had done in which Equifax had admitted in its XXXX XXXX response to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXXXXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXX XXXX account for failure to perform an investigation per fcra regulation XXXX  XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.

also in accordance with the fair credit reporting act convergent the accounts listed above have violated my rights.

15 U.S.C 1681 section 602 A.states i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 



Thank You, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 i was a victim of wire fraud i received a fraudulent email from some pretending to be XXXX XXXX XXXX. I was in the process of closing on a property. the sent information that was on my closing documents such as the person who was handling my closing and the amount needed to be sent to close. My bank XXXX XXXX made several attempts to reach out the the receiving bank but to no avail. This is the receiving bank information Fifth Third Bank XXXX XXXX XXXX. 
XXXX XXXX, Florida XXXX Account Name XXXX XXXX XXXX XXXX A/C routing # XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Capital One credit card account was charged off in XX/XX/2018. I was unable to make payments at the time due to financial hardship. I reached out to Capital One on several occasions to initiate a settlement to no avail. After looking over my credit report recently, I realized that Capital One has been reporting this same Charge off as a brand new Charge-off every single month since the original date of the Charge-off, totalling 30 different Charge-offs on my credit profile. It looks like I have 30 different accounts with Capital One that all got charged off! I reached out to Capital One to resolve this issue over a month ago, and I have made several follow up calls since then to no avail. Every representative said the same thing. They agreed that it should only be 1 charge-off, not 30! as an account can only be charged off once. Then they promise to escalate the dispute and have a supervisor reach out to me but I never get a response back. This issue is very pressing because I can't get a mortgage loan due to this negative item on my credit report and I am an expectant father.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to XXXX XXXX, XXXX and Equifax regarding XXXX. XXXX XXXX/XXXX for {$2300.00}, XXXX. XXXX XXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX XXXX letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX XXXX auto loan in XX/XX/XXXX. 
This event caused my XXXX FICO score to go down XXXX points. My Experian FICO score to go down XXXX points. My Transunion FICO score to go down XXXX points. 
How long will Fair Issac Company be allowed sell a product that is unexplained, unbelievable, contrary to common sense, and damaging to ALL Americans. 
XXXX, XXXX, and Transunion are all partners in this fraud. 
Please use your authority to fix this XXXX on the country.
Product: Money transfer, virtual currency, or money service

Hi, I am writing to seek urgent assistance regarding a wire transfer issue. I do not have an account with Wells Fargo, but I initiated a wire transfer from XXXX that has been rejected. Here are the details : Wells Fargo Reference : XXXX XXXX Reference. : XXXX XXXX Tracking Number. : XXXX Payment Method. : Book Transfer Sender 's Name : XXXX XXXX Recipient 's Name : XXXX XXXX Date of Transfer : XXXX XXXXXXXX XXXX Amount : XXXXXXXX XXXX On checking the transaction status in wells Fargo site using the tracking number, i can see the transaction status as REJECTED. Please let me know the reason for the rejection and the steps I need to take to get back my funds back to my XXXX account. 

Thank you for your assistance. 

Best regards, XXXX XXXX XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name of Company : HELBING LAW GROUP, XXXX Purpose : Credit Card help Duration : Over 1 year I enrolled with Helbing Law Group in XXXX of XXXX in pursuit of debt settlements with some short-term lenders. My account was established with a monthly payment of {$480.00}. XXXX As of today, I have paid over {$3500.00} to Helbing, yet my special purpose account contains just over XXXX. The remainder is eaten up by " fees '' - yet no legal work has been done. When I email them, I never receive a response or a generic " thank you for your sending your statements '' response. I called on XX/XX/XXXX and still have not received any Legitimate reason for no settlements to the 4 accounts I had them attend to. acknowledgment : '' I am writing to revoke my ACH authorization to Helbing Law Group and to cancel my participation in your payday loan settlement program. This is not a decision I came to lightly, but after paying them over $ XXXX for 14 months, I have XXXX settlements to show for it and only {$3000.00} in my special purpose account - when I have paid you over {$3500.00}. I do not believe they have ever even started to attempt to negotiate any of my balances or that any action has been taken on my accounts, as I still receive statements and emails from my creditors and collection agencies. I thought the company was a God-send and it turns out they are no better than the companies from which I was trying to get relief. At this time, I am requesting a FULL refund of {$3000.00}, which is all the money I have paid to this point. I would entertain the deduction of a small administrative fee ( which looks to be less than $ XXXX, so no more than {$100.00} ) for servicing my account during this time, but the funds I have provided have done nothing but line their pockets.I respectfully request a response and confirmation for my request in an expeditious fashion. " I sent a follow-up a voice message on XX/XX/XXXX which had also gone unanswered until I stopped paying them. At this time, I request a FULL REFUND of all monies paid to Helbing - totaling XXXX - since they have apparently done no work on my account, have reached no settlements with my creditors, and have earned no fees I've paid. 

Also, my credit score went from XXXX to XXXX ... .I can not continue to be handled in this matter
Product: Other financial service

I am a XXXX Veteran. I purchased a money order from XXXX and did not use. Certegy has declined the transaction to return the money order and receive my money back. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. When I called and advised I had all the documentation used to purchase the money order they indicated that due to some XXXX risk factors they could not refund my money. The individual continued to repeat about risk factors that had nothing to do with my purchase considering I had the receipt, money order, money order receipt, drivers license. I was told that I needed to take it to another establishment to get my money and would have to pay whatever fees they would charge. This is consumer fraud. They should not be in the business if they refuse to honor the money order program as designed. Now I am stuck with a money order I can not use and the company refuses to refund my money.