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

Amount of the debt. 15 U.S.C. 1692g ( a ) ( 1 ) ; Name of the creditor owed. 15 U.S.C. 1692g ( a ) ( 2 ) ; Right to dispute validity within 30 days. 15 U.S.C. 1692g ( a ) ( 3 ) ; 15 U.S.C. 1692g ( a ) ( 4 ) ; and 15 U.S.C. 1692g ( a ) ( 5 ). 15 U.S.C. 1681i ( a ). 15 U.S.C.16815-2 ( b ) ( 1 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Trans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans, XXXX XXXX XXXX XXXX XXXX XXXX ( trans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion, XXXX XXXX XXXX XXXX XXXX XXXX, transunion XXXX XXXX XXXX XXXX XXXX ( trans XXXX XXXX XXXX XXXX XXXX XXXX XXXX trans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries removed ( trans, 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 or other personal consumer reports

I have reached out to this bureau with reasoning for wanting an inaccurately reporting account to be deleted and they have failed to conduct a proper investigation, resulting in the account remaining. This is complete negligence and is causing a severe impact to my credit report, hindering my ability to rightfully obtain credit opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17and XXXX17, I have requested that this authorized user card be removed from my name and from my report. I have no financial liability for this card and do not wish to be an authorized user for this card.
Product: Money transfer, virtual currency, or money service

I used XXXX through my Wells Fargo account to pay a person with an account at XXXX XXXX. This person using their XXXX account committed fraud and stole {$200.00} from me. 

My complaint is against Wells Fargo, XXXX and XXXX XXXX. Wells Fargo and XXXX own XXXX. 

My case is EXACTLY as those described in the recent XXXX XXXX article on XXXX and their significant issues with fraud. XXXX  : XXXX On the night of XX/XX/2018, I sent money to a person advertising concert tickets on XXXX. I paid them {$200.00} through XXXX on the Wells Fargo website. The person I paid had a XXXX account linked to their XXXX account. The tickets were counterfeit. 

I immediately called Wells Fargo. The Wells Fargo website listed the transaction as " Pending. '' The Wells Fargo representative said that is incorrect ; the transaction was instant and nothing can be done. The WF representative then told me the XXXX account which had committed the fraud was linked to a XXXX XXXX account. The email associated with the XXXX account at XXXX is XXXX I have called Wells Fargo, XXXX and XXXX. They refuse to explore or investigate this case of fraud. Wells Fargo and XXXX say it is XXXX 's responsibility, XXXX says it is the bank 's. The joke is the banks own XXXX. None of them have any interest in resolving this issue. NONE OF THE COMPANIES HAVE A MEANS TO FILE A DISPUTE, COMPLAINT OR FRAUD. How can that be? 

XXXX and it's owners, Wells Fargo and XXXX have repeatedly told the press they will do everything they can to help reduce this significant fraud problem. Yet all three have systematic procedures that prevent just that. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i had an identity theft and i keep getting all kinds of collection agencies trying to collect for items like this sprint cell phone account, i have no idea where this came from, i asked them several times to send me any information according to this account with the contract and signature dates and information. they never sent it, and i keep getting calls, after asking them several times to please contact me through the mail. they have been calling my job as well with constant harrassments.
Product: Debt collection

Received bills from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) on a procedure that my son had in XX/XX/XXXX. It takes sometimes 4 months to go through my insurance XXXX before they pay and then i get billed. I did not start receiving bills until toward the end of XX/XX/XXXX. When i received the bills i sent in a payment with a letter stating that i could only pay {$10.00} a month towards these bills at this time which the payments i sent in were for around $ 20ish dollars. They called and said i had to pay more than {$10.00} a month or they would turn me into collections. I told them to do what they needed to do but they can not bully me in to paying more than what i can afford. They still cashed my check and is turned me into collections. Collection agency called me. I told them i have been making payments. Not what they want but what i can afford. I have other medical that i am paying on in addition to my own medical needs. Bull City Collection Agency called today wanting to know if i could pay them off. Then asked for my son date of birth and was like so he is XXXX. He is not XXXX he is only XXXX. Like they are going to go after my minor child for a bill that i am responsible for and i am making payments on. So i called XXXX XXXX XXXX back and said if you want paid pull this account out of collections. I feel like Bull City asking if my son is XXXX like they are going to try and go after my son. i told Bull City i  am making payments on these accounts. They are ridiculous. My husband is a XXXX veteran. We do our best and can only pay what we can pay and i pay the medical. I never hid from the companies. i tried calling and making arrangements. They are wasting their money on collections agencies when im not going to give them any more than what i was and able to give. So my reward for paying what i can is it to affect my credit report negatively. Considering that i did not receive the final bills after my insurance paid until towards the end of XX/XX/XXXX and i still made a payment of what i could afford at that time.
Product: Debt collection

THIS DEBT WAS INCLUDED IN A CHAPETER XXXX CONVERTED TO A CHAPTER XXXX BACK IN 2010. THIS IS A 3RD PARTY COMPANY THAT PURCHASED THIS ACCOUNT FROM XXXX XXXX IN AN ATTEMPT TO CONTINUE TO COLLECT ON AN ACCOUNT OVER 7 YEARS OLD. I DEMAND THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT AND STOP ALL COLLECTION ATTEMPTS. 
CHAPTER XXXX CASE # XXXX
Product: Debt collection

Affiliate is contacting me constantly regarding a medical bill balance that I have given insurance coverage information. Insurance company paid for the service in full. Still sending threatening letters for a re-sold debt that they don't own and cant collect. Will not give original service provider.
Product: Credit reporting or other personal consumer reports

I had a mortgage with XXXX they sold my mortgage to XXXX XXXX in XX/XX/XXXX. I paid the home off through XXXX XXXX which reflects on my credit report in XX/XX/XXXX. The problem is XXXX XXXX XXXX is still reporting my mortgage as open. I have been reporting this to the company XXXX and all credit reporting agencies still to no avail. At this point it's affecting my credit and me purchasing a home I don't know what else to do.
Product: Credit reporting or other personal consumer reports

There is inaccurate information listed on my ChexSystem report. An account with XXXX XXXX XXXX XXXX is listed and Ive never opened an account with this bank. In addition, theres an account listed with XXXX XXXX. Please remove all negative information that does not belong to me.
Product: Mortgage

Hello, I am writing to you again about the error bank did. I made a payment XX/XX/2020 for the exact amount that I received on my paper mortgage bill, {$2600.00}. Later the bank claimed that I paid the wrong amount, but as I've shown before in my previous complaint, I paid the exact amount that was on my bill. Today, I received a paper from the bank that lists that payment and shows XX/XX/XXXX a " bad check reversal '', when I never had a bad check. I paid by phone through my bank of America account, there was never ANY checks made, it was a balance transfer from my account to the mortgage. My account has enough money to pay for the amount requested on the physical paper mortgage statement. Now the bank has decided to label it as a " bad check reversal '' when there was NEVER any check payment being made. This is clearly an attempt to defraud me and refuse to admit that the Bank made a mistake when sending me the bill by mail. If they changed the amount due between the time they sent me the bill and the time I called to pay the bill, they should have notified me when I was making the payment. I have no way of viewing my balance online because the account is not available due to a bankruptcy. I fully believe, the bank is doing everything that they can, to sabotage my account, my credit and my reputation as revenge for having been in a bankruptcy. The bank is clearly trying to make it harder for me to make my payments so that I would miss a payment and they could take me out of my home.

My original requests, concerns and complaints, were NOT answered, so I believe that shows that the bank is not acting in good faith. They are planning to do everything they can to seize my house.
Product: Debt collection

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission or power to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I can deem what is private to me.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX should be delete and removed from my credit report. I do not recognize this account, and I think that it was created fraudulently. I've filed disputes with the company and the credit bureaus already.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I have disputed a Bankruptcy reporting with TransUnion, XXXX, and XXXX. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1000.00} XX/XX/2023 15 U.S.C , 1681section 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 an 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 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

XXXX, XXXX and Experian have 2 addresses reporting on my credit report that do not belong to me : XXXX. XXXX XXXX XXXX, XXXX GA XXXX ; and XXXX. XXXX XXXX XXXX, XXXX XXXX GA XXXX
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
PHOENIX FINANCIAL SERV ( Original Creditor : XXXX XXXX XXXX ), balance is {$320.00}, and account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing accounts as charged off, which is reported as income and its illegal to report income
Product: Checking or savings account

Eight fraudulent charges were made using my account information on XXXX and XX/XX/XXXX and a few others were attempted. Post dates and amounts : XX/XX/XXXX : {$93.00}, XX/XX/XXXX : {$64.00}, XX/XX/XXXX : {$64.00}, XX/XX/XXXX : {$2.00}, XX/XX/XXXX : {$48.00}, XX/XX/XXXX : XXXX, XX/XX/XXXX : {$24.00}, XX/XX/XXXX : {$29.00}. Two attempted charges at XXXX XXXX in XXXX, MD were for {$250.00} and {$300.00}. There were others, but Wells Fargo claims they no longer have a record of those attempts and they could not provide me with any details. The bank contacted ME when the XXXX XXXX purchases were attempted, and I talked to Wells on the phone and identified all the fraudulent charges I did not make. On XX/XX/XXXX I received a letter from Wells stating my disputes were all denied solely because I had my card in my possession when the charges were made, further citing there is " no known technology '' that would make spoofing a physical card with my data on it possible. This I find incredibly convenient, as " shimming '' card data is a known scam, as documented on XXXX XXXX XXXX XXXX website ( XXXX XXXX XXXX ). Yes, my card has been in my and only my possession for years. The only time the data could have been shimmed was from three ATMs ( XXXX MD, XXXX NM, and XXXX WA ) or at a card reader at my dentist 's office in XXXX XXXX. 

As Wells Fargo was not going to credit back the money I've lost to this scam, I attempted to get further details about the transactions so that I could reach out to the companies where these purchases were made, and in every case, Wells Fargo was unable to provide me with details ( no timestamps are recorded for the credit card that was tapped, and therefore no security footage can be reviewed to see who swiped a fake card with my data on it ).
Product: Debt collection

Myself and my family members have received harassing calls from this debt collector giving ominous messages about complaints filed in court and legal action to be taken. 

They refer to a debt that, as to my recollection, is from XXXX. I believe the " debt '' has been sold to several collection agencies throughout the years. However, I disputed this debt back in XXXX. It was a credit card opened by my significant other at the time who added me as an additional card holder. The debt had been removed from my credit report since then. 

Most recently they claim the debt is from XXXX and when I ask for proof they refuse to provide it and claim it has already been mailed to me. I inform them that I dispute it and even still, the statute of limitations has passed. They responded by telling me they will sue me in civil court for defrauding a financial institution.
Product: Credit card or prepaid card

Capital One agreed to settle the account in full in XX/XX/2020 for {$900.00}. I made four payments of {$180.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made a final payment of {$180.00} on XX/XX/2020. Capital One updated my account on XXXX on XX/XX/20 with a past-due balance of {$1300.00} although they agreed to update the account as settled in full with a {$0.00} balance. I have all documentation that shows that I paid {$900.00}, as well as the settlement agreement from Capital One.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

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 an 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 any purpose.
Product: Money transfer, virtual currency, or money service

I linked my bank SOFI bank account to XXXX, which is a service SOFi offers through their app. When i tried to send money to someone my transaction got flagge for security measures I recahed out via chat to understand what caused the flagging of my transaction and they were not able to tell me. I then called their security team and tried to escalate my issue as far as I can and no one was abke to tell me why my transaction got flagged. At this point I feel that I have been racially profiled. No one has been able to privide me a reason for why my transaction was denied/flagged. They tell me that sometimes that happens but things dont just happen there is always a reason. I feel descriminated and Iam contemplating following this grievance with legal action
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, insist that you promptly remove inaccurate information from my credit report. The creditor failed to validate the listed accounts, primarily because my information was compromised in the XXXX data breach. Both XXXX and XXXX have already taken the necessary steps to remove these accounts. In compliance with the FCRA, I hereby request the deletion of the following accounts from my credit report due to violations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$47000.00}
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Spectrum billing XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting or other personal consumer reports

I HAVE ACCOUNTS WITH DEBT IN MY NAME THAT I HAVE NO KNOWLEDGE OF WHICH I REPORTED MUTIPLE TIMES SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX IN THE AMOUNT OF XXXX {$12.00} XXXX XXXX XXXXXXXX XXXX IN THE AMOUNT OF XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX $ MOHELA DEPARTEMENT OF EDXXXX {$2600.00} $
Product: Credit reporting or other personal consumer reports

About a year ago we had our business robbed and a bunch of equipment stolen. A few days later we kept getting emails that our loans had been approved. They were coming in back to back probably close to 300 in a few days time. As soon as we noticed We contacted the identity theft website and they were great, locked our account and reversed everything we saw at the time. Since then there have been a few maxed out credit cards we knew nothing about and they also were taken care of perfectly. Now here we are and its time to redo our mortgage like we do every 5 years, our car and house insurance as well. All of a sudden our home interest rate jumps up to 9 % from 4 %, our house insurance has gone from {$1400.00} to {$3500.00} and our car insurance rates have increase on each car by 75 % and we have to pay an extra fee to renew our policy wont roll over. I have my wife look into why all this is going on... well our credit score has dropped from XXXX to XXXX!!!! how does this happen, nothing is showing bad on our credit from any of the identity theft. My wife scoured our credit reports and thank goodness she did. Our police report from business theft for XX/XX/XXXX. On our credit report starting on XX/XX/XXXX we had a bunch of companies pull my credit report, they all have 1 thing in common the Name XXXX  is in it. I see on one of them is gives more details that they are a part of XXXX  holdings. This is the company that caused all this chaos in our life. We have had to close our business, the stress cause my wife to have XXXX XXXX and now cant work. And now all this with our actual finances being affected and all our rated doubling I am having to work 2 job. Please tell me what can we can do? How can we fix our credit, how can we make sure this company can not do this to somebody else. How can we get our life back and get back on our feet. We need help please. Here are the list of companies that has taken away our family owned and run business and taken away from my childens futures. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX On behalf of XXXX XXXX XXXX ( XXXX XXXX AT XXXX FIN Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX MT XXXX XXXX  XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX MT XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX EXPERIAN CLARITY SERVICES INC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX On behalf of XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX MT XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX MT XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX