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

I was offered a payment in the amount of {$3700.00} by XXXX XXXX with Wells Fargo Remediation in XXXX of XXXX, a check was supposedly sent, intercepted by another party and cashed in my name. An affidavit was filled out in re, investigated, funds returned to Wells Fargo. A replacement check was then sent, supposedly, around XXXX or XXXX of XXXX. I moved in XXXX of XXXX, anything sent to old address would not be received, this was detailed in prior complaints about this matter .... Wells Fargo reps replied by stating they were given verified address, apparently refuse to investigate. They have not shown anything stating what address they were provided, no proof I am aware of. Having said that, their reply appears to be bogus and an attempt to avoid addressing issue. Further, they have reported both payments to IRS, I was sent a XXXX form for each payment, neither received. IRS will audit my returns as payments were not reported on them, this will cause additional taxes and interest owed. Also, a mediation payment amount of {$500.00} was not received, also sent to old address. Wells Fargo reps attempted to refer to an agreement of this amount which they claim was sent to old address, signed by myself when it was in fact not. I moved on XX/XX/XXXX, mail is forwarded and no payments from Wells Fargo received or any agreements.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, at approximately XXXX hours, I, was dispatched to Texas in reference to a Fraud Call for Service. 

Upon arrival, I made contact with the reportee, identified who stated an unknown person had taken money from him by using deception. 

PROSECUTION IS DESIRED stated he met a female on XXXX identified as " XXXX XXXX '' in XXXX XXXX stated this female told him she was in the military and they began to text ( over the XXXX XXXX XXXX ) and started a romantic relationship. stated eventually XXXX XXXX told him she was going to send him a suitcase full of money. stated XXXX XXXX sent the suitcase from overseas. stated he was told that the suitcase was stuck in customs, and he needed to send money to get the suitcase. 
stated he made fifteen to eighteen wire transfers to various accounts with differing addresses. stated he sent over {$90000.00} to these accounts. 
stated XXXX XXXX is now not answering his text messages, and he believes he was scammed. 
stated he would retain all documents and screenshots in reference to this case. 

Crime Scene Search : Audio : No Photos : No Video : No Scene Summary : The residence located at Texas. It is located in the unincorporated
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a unauthorized hard inquiry occurred without my permission from a JPMCB Card services
Product: Credit reporting, credit repair services, or other personal consumer reports

There were a couple of incorrect items on all three bureaus. I sent a dispute letter to all three bureaus ( Experian, XXXX, and XXXX ) on XX/XX/2022. I then sent another letter on XX/XX/2022, letting all three bureaus know that they have 30 days to comply. The 30 days have passed and I have yet to receive any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized my credit to be run and it shows up on my XXXX  credit report as a hard inquiry which ultimately lowers my score and this account is on my credit file in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Exp erian SEVERAL times aski ng them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.
Product: Money transfer, virtual currency, or money service

I was trying to buy concert tickets on XXXX, and I found someone by the name of XXXX. Through direct messages on XXXX, XXXX showed proof of owning XXXX tickets. We agreed on {$250.00} per ticket, and I wired her yesterday ( Sunday, XX/XX/2022 ) {$500.00} using Zelle. After wiring the money, XXXX requested another {$170.00} to cover XXXX XXXX XXXX purchasing fee. I told XXXX that I would not wire the {$170.00} until she sent me the tickets. XXXX refused, so we agreed that I would send {$100.00}, XXXX would transfer the tickets to me, then I would pay the remaining {$75.00}. After sending XXXX {$100.00}, she continued to refuse to transfer the tickets. I then messaged her the next day ( Monday, XX/XX/2022 ) and asked her to return the {$600.00} I had sent through Zelle, to which she did not respond.
Product: Debt collection

Company : XXXXLvnv funding llc Address : XXXX XXXX XXXX XXXX XXXX Zip : XXXX XXXX  XXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Debt collection

To Whom It May Concern : I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX, regarding their alleged unfair and unlawful collection practices, as well as potential violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This complaint specifically addresses XXXX XXXX XXXX, XXXX  ( the collector ) attempts to collect on a debt purportedly owed to Citibank N.A., and Citibanks alleged issuance of a 1099-C form to the IRS without notifying me. 

1. Failure to Provide 1099-C Notification : Citibank N.A . appears to have filed a 1099-C form with the IRS in relation to this debt. Under IRS rules, creditors who issue a 1099-C form must provide the debtor with a copy. However, I never received such notice, leaving me unaware of any potential cancellation of debt income reported to the IRS. This oversight may affect the legal status of the alleged debt and my credit report, which under the FCRA must accurately reflect all pertinent information related to a debt. 
2. Violation of Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX, XXXXs  actions may be in violation of the FCRA, specifically : Inaccurate Reporting of Debt : The FCRA mandates that credit information must be accurate and complete ( 15 U.S.C. 1681e ( b ) ). Due to Citibanks apparent filing of a 1099-C, XXXX XXXX XXXX , XXXX may be reporting a debt that has been discharged or forgiven, leading to a potentially inaccurate credit report entry. 
Failure to Provide Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to a validation of the debt. However, despite my request, XXXX XXXX XXXX , XXXX has failed to provide me with a debt validation letter, creating further uncertainty about the legitimacy of this debt. 
3. Improper Venue and Lack of Jurisdiction to Sue in New York : XXXX XXXX XXXX , XXXX has filed a lawsuit against me in the state of New York, despite the fact that I am a resident of Ohio. This filing is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692i, which requires debt collectors to bring legal action either in the district where the consumer resides or where the contract was signed. Since I do not reside in New York and did not sign the contract in New York, this lawsuit constitutes an improper venue and is thus unlawful. 
4. Lack of Authorization to Collect in New York : XXXX XXXX XXXX , XXXX has yet to provide evidence of their authorization to collect this debt in New York, where they have initiated litigation. Under the FDCPA, debt collectors are required to prove their authority to collect, especially when jurisdiction is in question. I request that they produce documentation establishing their right to pursue this debt collection in New York, in compliance with applicable state laws.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX HAS 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
Product: Debt collection

I am filing this complaint regarding Southwest Credit Systems failure to properly validate a debt as required by the FDCPA. A formal Final Notice letter is being sent to Southwest Credit Systems via certified mail as part of my ongoing effort to resolve this matter. I request that the CFPB review their failure to provide validation and take appropriate action.
Product: Payday loan, title loan, or personal loan

O n   XXXX   XXXX  , 2017, I applied f or a loan fro m Big Picture Loans,  got approved, but was failed to be informed about the interest rate of %  719.9395. I borro wed {$400.00} because I was in a financial bind and needed the money quickly. I can not afford to pay {$130.00 } every 2 weeks until  XX/XX/XXXX ! I   need out of this or I will lose my car or home. I live paycheck to paycheck like most of middle-class  America. I t ook out this loan because it was easy to get approved with bad credit, and they took full advantage of it. I was not informed of a finance charge of {$1300.00}.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Product: Credit reporting

I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of XXXX, Transunion and XXXX
Product: Checking or savings account

Dear sirs, We have been clients of HSBC Bank since XXXX. First abroad and then in the USA. 

But since we are XXXX  and dont live in the USA, we have just maintained our account, and we used to receive statements by the post. Suddenly they have stopped arriving, but since it is not our main account, we haven't noticed. It hasnt changed the balance over the years and we weret worried about it. 

In the beginning of XX/XX/XXXX we received an email from the manager,  saying that the account is negative. And a week later 2 cards by post office - dated XX/XX/XXXX and XX/XX/XXXX. 

We are astonished to get acknowledge that our account has been emptied, without a single email notice, or written letter, explaining that there would be a monthly charge of US {$50.00} if the balance was below a minimum balance of US {$75000.00} after a determined date! 

We checked the account and was successful ordering previous statements ( online, inside the accounts service ) - that the Bank sent by mail - the envelope arrived fastly. More astonishing - they began deducting on XXXX XX/XX/XXXX. 4 managers took care of the account since then. NONE OF THEM, NEVER, HAS EVER INTRODUCED THEMSELVES, CALLED OR SENT AN EMAIL OR A LETTER - NONE EVER PRETENDED TO TAKE CARE OF THE ACCOUNT OR CARE FOR THE CUSTOMER. NONE OF THEM GOT IN TOUCH TO OFFER TO LOWER THE CATEGORY OF THE ACCOUNT, TO BE CHARGED A MONTHLY FEE OF US {$3.00}. 

On XX/XX/XXXX I got in touch thru a chat, explained the case, asked for a ombudsman contact, but the answer is that nothing can be done, and that there isnt an ombudsman contact. The attendat offered that the accounts manager gets in touch, bus this hasnt happened. I asked for the cHat transcript thru e-mail, I gave 2 email addresses but hasnt received it in any of them. Fortunately I saved a pdf copy of it. 

Today, XX/XX/XXXX I tryed to check the balance in order to check if they continue debiting the account, but theres a message to get in touch and I cant access the extract or balance. 

We kindly ask you to refund our account, since we didn't have at all the opportunity to make a deposit and adequate to the new conditions of the bank. We were deeply harmed by this situation and it is not fair to face such a great loss inadvertently. We just want to be refunded and proceed the account closeure, with minor prejudice We really appreciate your best efforts and attention in advance,
Product: Credit reporting, credit repair services, or other personal consumer reports

when i first had my social security card in XXXX, around XXXX, i didnt know much about it since i just got into america XXXX i was in a room with few people living together so i really didnt think much of it that it was something people use to steal victims identity. i opened a bank account and applied a job. i never used my social again until few days later i decided to open a new bank account and they requested for the hard copy which i realize my social security card was stolen from my small bag that i keep some vital documents. i went to the social security office to get a new one and then went to the XXXX police station to file a report. so all the XXXX  XXXX my account isnt mine except which rXXXX XXXX XXXX and XXXX XXXX XXXX. thank you
Product: Credit reporting or other personal consumer reports

I requested validation from Experian for accounts XXXX XXXX  its so many inaccurate information on it. And to no avail they give me nothing again. They just send me a response saying Accurate or Verified nothing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has failed to remove all of the false reports about that I owe any more money to this student loan. I have forwarded them documents signed by the Federal Student loan  representative stating that the loan is paid in full on XX/XX/XXXX. These documents are certified and sworn to in federal court. It is crystal clear. 

My attorney and myself have reminded and resent this documentation several times to the student loan people. They refuse to acknowledge it and are breaking the law by continuing to pursue me. XXXX  is now an accomplice in harrassing me now that they have seen the clear evidence that I do not owe this money. I will attatch my documents that clearly state this loan is paid in full. 

They are just now sending me to colletions despite the fact that this has been going on since XX/XX/XXXX. I have always disputed this debt vigorously, and they will leave me alone for a while, but they just keep coming back. It is now XX/XX/XXXX and I am still disputing it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!!

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to purchase a new car. When the process was over I found out that I had up to 10 hard inquires in to my credit. I am a young man trying to make it on my own and build my credit. However, when I go to buy a car and allow them to run my credit I am aware that it will affect my credit so negatively. What bothers me is the fact that they ran my credit so many times that it has major effects on my credit report. What I am not understanding is, why do they have to pull so many hard inquires? Why do they not just pull my credit report ONE time and then share that report with possible financial institutions? At what point does it become cruel, unusual, and excessive? Not to mention I would like to know why there are not limits placed on how many times a car dealership can run my credit. When I go to buy a car and they tell me, " We are going to pull you credit report to get you financing ", I figure they would pull it once or twice max! At no point does the dealership tell me that they are going to let as many people as possible pull my report.The fact that so many different companies are pulling my credit report obviously hurts my score. Not to mention, I know that those inquiries stay on my report for years. I know that many Americans do not like credit. It is reasons like this that credit is so hard to keep good and maintain.
Product: Credit reporting or other personal consumer reports

I have been trying to purchase a home to sustain a life for my children and myself. I've checked my credit report and realized that there is damage information on my credit report. I have tried numerous times to get assistance on this matter. According to the 15 U.S.C law 1681 there should not be any damaging information on my report as it is a deformation of my character. I have also filed a report with the FTC regarding these fraudulent accounts.
Product: Credit card or prepaid card

My capital one credit card was charged on XX/XX/XXXX, by XXXX ( XXXX XXXX XXXX ), for the amount of {$2200.00}, which i did not agree to, for supposed damages to the machine. 
XX/XX/XXXX i was refunded by capital one, and then on XX/XX/XXXX i was charged again because they claim i did not provide sufficient information or evidence. In my responses i noted that XXXX is the one who needs to prove that i damaged the unit and consented to them charging my credit card which they did not provide. I am asking for the full refund, or will be seeking a small claims court litigation to recover the funds.