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

Using Wells Fargo online Bill Pay, I scheduled a payment of {$2700.00} to be sent on XX/XX/23 to my XXXX credit card. On XX/XX/23, I received an automated email message from Wells Fargo indicating that a payment of that same amount ( {$2700.00} ) had been sent to " mobile. '' I immediately accessed my checking account and found that the payment had been sent to an account and was marked as XXXX I do not have and have never had a XXXX  account. 

I contacted Wells Fargo -- the account was closed and a fraud claim was filed with the bank. In several subsequent interactions with Wells Fargo, including a XXXX call that included a XXXX representative, it was confirmed that -- ( i ) the account number to which the payment was sent is not an existing XXXX account, ( ii ) the mailing address for the Payee listed in the account information is not associated with XXXX, and ( iii ) i have never had an account with XXXX or predecessor company XXXX. 

Despite this information, Wells Fargo has denied my claim and has stated that I initiated the payment and that the payment was sent to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX  XXXX XXXX Balance : {$930.00} XXXX XXXX  XXXX Balance : {$240000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. Please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct or fix the inaccurate items information as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is selling deceptive information to XXXX, Experian, & XXXX who are then publishing this information on my consumer report. This debt has not been validated as belonging to me and I havent received any evidence to prove it is mine. This debt has also been canceled with the IRS and reported as income so it can not be reported onto my consumer report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that not proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to REMOVE this suspicious information. Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SELF/LEAD BANK Open XX/XX/year> in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card plan for any purpose.
Product: Credit reporting or other personal consumer reports

I'm writing you today to dispute negativity on my credit report. This account listed below do not belong to me and need to be deleted. 
In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the item but need you to assist in the process. I'm including these reports in my letter to help substantiate my claim. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX, CA, XXXX.
Product: Credit reporting

XXXX and XXXX XXXX XXXX are on my credit reports. the problem is they both say different amounts and limits. I sent them each debt validation letter, have not recieved anything from XXXX but they extended sol to XXXX. It seems funny that portfolio sol is XX/XX/XXXX.Did recieve doc from XXXX, just what credit report says. Trying inprove credit, these were long ago. Just do n't remember.
Product: Credit reporting

I contacted TransUnion recently to dispute a trade line entry in the credit report TransUnion compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. TransUnion indicated that the dispute would be investigated and a response provided within 30 days. TransUnion closed the investigation without addressing the substance of the dispute ; rather TransUnion performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that TransUnion allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; TransUnion facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. TransUnion has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. TransUnion 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!
Product: Credit reporting or other personal consumer reports

Personal information being reported incorrectly as well as different accounts, inquires and missing information
Product: Credit card

In regards to Freedom Card Chase bank, I submitted a billing dispute noting that there was a balance in excess of {$1.00} and requested a refund of that amount per 15 U.S. Code 1666D. I received no response from Freedom Card. They have denied me use of my card and stated they would charge this alleged debt off. They are send fraudulent information regarding this account stating I owe them when Congress has determined that the balance is owed me. Account # ending XXXX.
Product: Checking or savings account

Chime has a secured credit card and debit card. My secured credit card was in overspent status. Chime sent me an email stating that it would need to paid by XX/XX/XXXX. I got my stimulus check deposited into my checking account with chime. They turn on move my pay feature on their own AFTER I had turned it off two weeks ago. They move my entire check to pay my secured credit card that wasnt due until XX/XX/XXXX. My car just got repo two hours ago because I was supposed to make a payment today. How I know they moved my money without my permission because yesterday I got deposit of $ XX/XX/XXXXand they didnt not move that over to secured credit so if my move my pay feature was on than it wouldve moved that money too in which it didnt because it was turn off. This total fraud!!!
Product: Debt collection

On XX/XX/XXXX, XXXX was disputed on TRANSUNION CREDIT SERVICES. THE WEEK OF XX/XX/XXXX XXXX XX/XX/XXXX, Transunion deleted information due to lack of verification. On XX/XX/XXXX, XXXX was reinserted without any prior notification. On XX/XX/XXXX, XXXX accepted the debt validation letter that was sent. XXXX has not sent any validation notices to show proof. It was requested to provide 1. the original account-level documentation reflecting all purchases, payments, or other actual uses of the account ; 2. a document signed by XXXX XXXX evidencing the opening of the account forming the basis for the debt ; 3. the name of the creditor at the time of charge-off, including the name under which the creditor did business with our client ; 4. the last four digits of the account number associated with the debt at the time our clients last monthly account statement, or, if not available, at the time of charge-off ; the charge- off balance ; 5. XXXX method of calculating any amount claimed in excess of the charge-off balance ; 6. a copy of the statement where XXXX offered to provide our client ( within 30 days of a written request ) with copies of a document signed evidencing the opening of the account forming the basis for the debt ; and the original account-level documentation reflecting a purchase, payment, or other actual use of the account. XXXX was given another 15 days ( goodwill attempt ) to  validate debt was sent on XX/XX/XXXX. Have yet to send the above required documentation and have yet to delete/ block account account number XXXX from XXXX   on TRANSUNION credit services
Product: Debt collection

I was on my credit report and seen a collection from them for {$140.00} says it was opened XXXX 2017 thing is i never received anything in the mail or anything about this debt and i am not sure what it is a bout amd want ir removed from my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 12. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Student loan

While paying my student loans, I was directed to pay at least {$500.00} per month and I was XXXX receiving Social Security XXXX at a rate of XXXX per month. Year 2009. After paying thousands of dollars, my loans were dismissed due XXXX.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 received my request to validate debt with creditors, transunion nor XXXX provided me with supporting evidence from the companies. These items stayed on my report I also mailed a second request to them on XXXX XXXX, I had some movement with transunion and nothing with XXXX.. I submitted the same letters to XXXX they removed everything but 2 items that they had the companies to send me letters that validated my debt..I must say the crazy part is that everything that was on equitable was on transunion and XXXX. The conclusion is that didnt physically validate anything for me ( transunion nor XXXX  )
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against NCB Management Services , Inc. for their debt collection practices, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. They have failed to provide any proof of this debt, including a detailed payment history, my signature on a contract, any insurance claim filed on this debt, and proof of chain of title. According to 15 U.S.C. 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 4. A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and 5. A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NCB Management Services , Inc. has failed to provide any of the above information, despite my repeated requests. NCB Management services is also updating as a Charge off every month to further hurt my credit.
Product: Debt collection

Upon reviewing my credit report after receiving an alert. MIDLAND FUNDING placed three ( 3 ) collection accounts on my credit report. MIDLAND FUNDING violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute or request validation. I NEVER received any communication regarding this alleged debt. Not only did MIDLAND FUNDING violated my rights, MIDLAND FUNDING also violated 15 USC 1692e by reporting illegal debt that is not within the of the Statue of Limitation.
Product: Credit reporting or other personal consumer reports

I am inquiring about the Validy of my Bankruptcy entry on my Transunion Report and have requested information on how my information was reported to Transunion credit bureau when US Bankruptcy Court state they are not in Compliance with the credit Bureau which is in violation of my consumer rights 15 U.S.C1692C I ask of a Removal of Bankruptcy off My Transunion credit reporting agency
Product: Debt collection

Received notification from debt collector advising of debt owed. No validity of debt owed by me. This company is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date inaccurate, the last active date is inaccurate, the account says open but others say closed. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i have rights to privacy.

15 U.S.C 1681 section 604 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have some late payments showing on my credit reports for months of XXXX, XXXX and XXXX of 2023 from first progress card. In fairness with the fair credit reporting act this creditor first progress has violated my rights under USC 15 1681 section 602. This section states I have the right to privacy. USC 15 1681 section 604a section 2 also states a customer reporting agency can not furnish a account without my written instructions. I never gave first progress written instructions to do any of this. Under USC 15 1666b a creditor may not treat a payment on a credit card account under a open end credit customer plan as late for any purpose. Please update my showing of late payments to paid on time please.