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

As stated before, im Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX, XXXX and XXXX credit agengies but it has came back as verified on XXXX and XXXX but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered.where is the contract that i signed with professional debt mediation and the ledger that they are attempting to collect debt from me for. where did this balance come from that they have placed on my credit. i have no contract with this company. I have not contacted this company at all. please show me proof of the contract that i have signed and where i contacted this company. this is FRAUD. i do not have legally binding contract with Professional Debt Mediation. Again I DO NOT HAVE A LEGAL BINDING CONTRACT WITH PROFESSIONAL DEBT MEDIATION. Therefore anything they have place on my credit is considered FRAUD. Any information they have including my birthdate, social security number, addresses that was supplied to this company is also considered a breach of contract with anyone. Why would my person information be given to anyone that I do not have a contract with? Their are plenty of federal and state laws against this. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on XXXX and the last activity on XXXX is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit reporting or other personal consumer reports

I requested that my personal information be updated with Experian, XXXX and XXXX. To this date there is still information on my report that is not accurate.
Product: Checking or savings account

I submitted a fraudulent claim for charges on my account with my bank BBVA on XX/XX/XXXX. They have only refunded me {$40.00} out of the {$700.00}. As you can see we are well over the 90 days. Every time I call they out me on hold for over 45 min and then hang up. Theyve been giving me the run around that the investigators are on it and they are going to connect the call. And they leave me waiting for a long time and hang up all over again. At this point theyve been pushing the dates so they dont have to pay anything and I am extremely pist. I want this resolved so I can close my account with them. Worst service ever. I need this fixed ASAP
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed in a dispute to remove accounts that are on my credit file due to being a victim of XXXX XXXX. Based on the tracking information ( XXXX XXXX ), Equifax received this mail in dispute on XX/XX/2024 at XXXX PM. I also filed a dispute online on XX/XX/2024 regarding that information that needed to be removed due to my being a XXXX XXXX XXXX  When I called to check the status of the mail in dispute, I was told that they didn't even have my documents. This is now the sixth business day in regards to the mail-in dispute and there is still no update. I called in the morning of XX/XX/2024 to get an update on the online dispute with the confirmation number XXXX and I was told that there is no estimated timeframe to get an update. This is now the eighth business day according to the representative. Based on section 605C of the Fair Credit Reporting Act ; " After receiving your submission, the consumer reporting agency has four business days to block the information. 

However, under limited circumstances, the consumer reporting agency has five business days to request additional information from you. '' All timeframes have passed to both block or request additional information and Equifax has refused to do both.
Product: Debt collection

on XX/XX/XXXX the account # XXXX WAS OPEN and the amount of {$1500.00} was sent to collection THE LASS UPDATE WAS ON THIS ACCOUNT WAS ON XX/XX/XXXX
Product: Debt collection

After securing a loan for new vehicle we were presented with credit scores for myself and my husband from XXXX. Mine is XXXX and my husband 's XXXX. Granted I understand credit scores of spouses do not always match as male head of household tends to be the first name listed on debts, such as mortgages etc. However a discrepancy of XXXX pts did not seem normal, especially since I handle all our finances, thus I pulled his credit report for XXXX , XXXX and XXXX . Upon reviewing his credit report with XXXX I discovered a collection account for XXXX usd with CPA from XXXX and the names of XXXX and XXXX along with the phone number of XXXX attached to my husbands report. All of this information does not belong to us and has been disputed with XXXX under file # XXXX. 

I spoke with XXXX on XX/XX/XXXX and they confirmed the name of XXXX was linked to my husband 's credit report due to the collection from CPA # XXXX After speaking with CPA on XX/XX/XXXX ( XXXX XXXX XXXX ) they also confirmed collection in name of XXXX however, since they have my huband 's SS # in their system of XXXX it is up to me to prove my husband, XXXX, is not XXXX or XXXX and stated they receive information from their clients via XXXX, thus they are not responsible for my husband 's SS # being attached to name of XXXX. 

I proceeded with contacting the original creditor of XXXX at XXXX and they do not have my husbands name nor his SS # in their system, as well as our home address in XXXX. Any accounts under XXXX in their system all start with a SS # of XXXX. And the phone number of XXXX reflects an account for a completely different name. 

In addition this same situation occurred in XX/XX/2008 and I believe is to be with the same name of XXXX. Since at that time we applied for line of credit with local bank, XXXX, they handled the communication with they credit reporting agencies and I believed they told us XXXX has a similar SS # and DOB as my husband 's. I do not have a copy of the letters sent in XX/XX/2008 but do have copy of investigation results from XXXX confirming both collection accounts being deleted with XXXX account held by CPA. 

I do not believe this to be a case of stolen identity, but rather a case of data error and all fingers based on my preliminary investigation point to CPA as being the culprit of the data error.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please have these accounts DELETED : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Balance : {$23000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX data breach claimant. My personal information has been used to obtain goods or services without my knowledge below are the items that I have found to be identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX ) XXXX XXXX XXXXt # XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX  XXXX XXXX The reporting of this information is a violation of my rights under the FCRA and I would like to exercise my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). 
These items appear on my Experian report # XXXX Per the requirements under FCRA 605B ( 15 U.S.C. 1681c-2 ) I have Included a written statement here as well as the Identity theft report # XXXX. 
I have also included the required documents to verify my identity such as my Drivers license and Social Security Card, Which meet all the requirements under FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Convergent Account # XXXX has violated my rights twice. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

On XX/XX/2021 I noticed there was money taken out of my account without my consent. On XX/XX/2021 someone was able to withdrawal {$1000.00} out of my account without having to use my BOA debit card. Then the person did it again on XX/XX/2021 with the amount of {$780.00}. I couldn't believe what I was seeing. So I contacted Bank Of America with the number provided on the back the Debit Card and spoke with them about this situation. The person I spoke to said they will send me a replacement card and they will do a investigation. I just would like some help to resolve this issue because money was stolen out of my account. I never give the pin to the card to anyone, but myself. I really need that to buy food and pay bills. I am really stressed out. Please help me
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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Wells Fargo is not allowing me to register my credit card account online. This is the service that Wells Fargo offering to other consumers and that is advertised to the public. but I am denied to access the service. 

When attempting to create an online account in order to manage my credit card I am receiving the following message : " We couldn't process your request online. Please call us at XXXX for help. '' During the last month I had called Wells Fargo at the above mentioned number at least twice. The first time I called Wells Fargo representative informed me that Wells Fargo is aware of an internal problem that it is experiencing and that it will fix the problem in 3 business days. 

I waited 4 ( FOUR ) business days before attempting to register for online access again and when I tried to register again I experienced the same problem, so I called Wells Fargo again. During the phone call I was transferred to different departments at least three times and every representative that I spoke with interrogated me with a series of questions for a long time and eventually said that the problem was not in the competence of their department. 

The last representative I spoke with failed to resolve the problem and requested that I visit a Wells Fargo office with the closest office to my address being more than XXXX miles away.
Product: Debt collection

This debt is not mine I need validation that this belongs to me They need to remove this immediately
Product: Credit reporting or other personal consumer reports

I've tried to dispute all inaccurate information more than several times with Experian. Even with providing them with documents & they have still yet to make any corrections or removals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting ( IN ERROR ) a delinquent account ( Automobile Policy Number XXXX ) that was FLAT RATE CANCELLED when they DISHONORED THE POLICY. XXXX owes me {$3200.00}. They attempted to NON-RENEW MY CONTRACTED AUTOMOBILE POLICY CAUSING ME MUCH ANGST. They were reported to Georgia Office of Insurance and Fire Safety, and a hearing DEMANDED PURSUANT TO O.C.G.A 33-2-17, b2. I HAVE BEEN GRAVELY AGGRIEVED. 

Now, they have given a debt ( I DO NOT OWE ) containing MY PRIVATE AND CONFIDENTIAL INFORMATION TO POOR XXXX XXXX DEBT COLLECTORS WHO ARE HARRASSING, ANNOYING, AND STALKING ME. Windham debt collectors for XXXX have been advised to CEASE AND DESIST AND XXXX  DEMANDED TO PAY FLAT RATE CANCELLATION IN THE AMOUNT OF {$3200.00}. The Georgia Office of Insurance and Fire Safety DEMANDED TO GRANT HEARING BEFORE COMMISSIONER, XXXX XXXX XXXX, PURSUANT TO O.C.G.A 33-2-17, b2 Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after their investigation. I would like these items immediately removed and for good cause I have sent multiple disputes following the blocking of secondary vendors ( XXXX XXXX, XXXX, XXXX and XXXX ) back in XXXX and XX/XX/XXXX. Over the past year, I have sent in multiple disputes certified affidavits, follow-ups disputes and Transunion continuously sends responses back later then the requested time that I request that items be removed 14 days and 30 days. My most recent request ( Letter of Intent ) sent on XX/XX/XXXX asked that these items be removed within 3 days of receipt of this letter have not responded to date. 
" Transunion states that they have investigated the and verified this items and that the company that reported the information has certified to Transunion that the information is accurate '' These inaccuracies are highly injurious to my credit rating. 

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. THIS INFORMATION NEVER HAS BEEN PROVIDED TO ME NO MATTER HOW MANY TIMES I HAVE REQUESTED THIS. 

The following accounts are not reported by XXXX XXXX XXXX and I have proof of this information. 
XXXX XXXX XXXX XXXX XXXX/Reference XXXX XXXX XXXX XXXX XXXX XXXX/Reference XXXX XXXX XXXX XXXX XXXXXXXX XXXXReference XXXX Was removed however if this was verified and accurate why was this removed and not the others.

XXXX XXXX XXXX XXXX XXXX/Reference XXXX Please remove it from my credit report. 
Attachments that were sent to Transunion as apart of my disputes : Letter from Bankruptcy court Letter of Freezes place on my account Copy of most recent letter of intent Copy of most disputes that items were verified
Product: Checking or savings account

Hello, I get paid bi-weekly and I shouldve expected a check on XX/XX/XXXX  but have yet to receive any of my funds. I have bills to pay and dead lines to meet, and capital one has been replying the same way to everyone about their concerns. I didnt get any info on the situation until I got an email around XXXX on the XXXX  of XXXX. I also got my statement from XXXX but still no access to my funds. Im trying to find a way to rectify this situation as its completely irresponsible on the banks part to be keeping everyones money on lock down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to XXXX XXXX for almost the last three years about this loan and I'm still getting the run around with no clear cut answers on why there is still a loan balance on my credit report. The loan was paid in full by my insurance and the remainder by my gap insurance. I recently got in contact with someone from XXXX XXXX about the loan and was told that I would be reached back out to. The only thing that occurred was a {$780.00} decrees in the balance ( {$2400.00} ) to ( {$1600.00} ), still with no proper communication as to why there was a balance ever to begin with.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a dispute in on XX/XX/2022 about information on my credit report about a bankruptcy stating the verifiable with the Bankruptcy courts. I contact the United States Bankruptcy Court XXXX XXXX of Georgia stating the Bankruptcy can not communicate with Credit reporting agencies. Bankruptcy court letter included in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602A. States I have the rights to privacy. 15u.s.c 1681 604A. Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

XX/XX/XXXX To Whom It May Concern, I booked a group vacation with XXXX based, XX/XX/XXXX XXXX XXXX XXXX Deposit paid XXXX of XX/XX/XXXX, and Full amount paid XXXX of XX/XX/XXXX. I was scheduled to travel to XXXX with XXXX XXXX on XXXX of XX/XX/XXXX. 

I made 2 payments using 2 different Chase Visa credit cards. ( the below dates are in XXXX format to match with the emails & receipts ). 

XX/XX/XXXX - USD XXXX - card ending XXXX XX/XX/XXXX - USD XXXX - card ending XXXX *Please see the attached XX/XX/XXXX receipts of payment with the confirmed dates of trip Flash Pack postponed my trip on XXXX of XX/XX/XXXX due to Covid travel restrictions. They informed me via email that the trip was moved to XXXX XX/XX/XXXX. They also offered me a refund credit note which was due to expire on XXXX of XX/XX/XXXX. If I didnt use the voucher during this time, they would have given me a full refund. 
*Please see the attached email postponing my trip due to Covid-19, and rearranging it to XX/XX/XXXX and offering me a refund credit note. 
*Please see the attached refund credit note XXXX XXXX went bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for. 
*Please see the attached email sent to me by the insolvency practitioners, XXXX on XX/XX/XXXX, informing me of the administration. 

Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. 

I attempted to open up a chargeback dispute using the Visa chargeback code : XXXX Merchandise services not received. Chase has refused to open my claim on the basis that too much time has lapsed My bank is wrong. 

The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. 

In my case my refund credit note was due to expire on XX/XX/XXXX. This date is well within the time-frame to claim. You can also use my new trip date of XXXX XX/XX/XXXX. Alternatively, you may use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX ). 

Visa claims that a dispute must be processed no later than either : 120 calendar days from the Transaction Processing Date 120 calendar days from the last date that the Cardholder expected to receive the merchandise or services ( Not to exceed 540 calendar days from the Transaction Processing Date ). 

I have been informed by XXXX XXXX and the administrators for the company, XXXX, that I am not financially protected in any other way. 
*I have attached a copy of the flowchart sent to me by XXXX XXXX please see the red box in the bottom right corner clearly showing that US customers are not protected by financial failure insurance. 

I have also submitted the T & Cs relevant to my booking which clearly shows that the financial failure insurance was for XXXX customers only. 
*Please see the attached T & Cs I would like Chase Visa to open my dispute and refund me, in accordance with the Fair Credit Billing Act. 

Thank you for your help with this matter.