23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was the victim of identity theft. On XXXX XXXX I noticed an unauthorized XXXX pending withdrawal from my wells fargo checking account to an account at XXXX XXXX. I requested this transfer be stopped on XXXX XXXX. Wells fargo denied my request to stop this illegal transferred allowed it to occur on XXXX XXXX. After contacting the XXXX, NJ police Wells fargo did request a return of my money from XXXX XXXX on XXXX XXXX. Since wells fargo could not guarantee the safety of my money I transferred most of my accounts to another bank. I did leave in enough money to cover my monthly automatic withdrawals as it would take time to notify all my accounts. Wells Fargo placed a hold on my newly formed account and would not allow bill payment until I spoke with a supervisor, XXXX, in fraud protection. Wells Fargo also sent my new checks and ATM card via postal service and I still do n't have then as of XXXX XXXX. Also every single day since the XXXX XXXX the Wells Fargo online system locks my account access so I ca n't verify any activity without contacting customer service and the fraud department to unlock and reset my password. If Only Wells Fargo would have been as diligent in stopping transactions before the fraud, none of this may have occurred.
Product: Credit reporting or other personal consumer reports

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX XXXX XXXX account XXXX Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX XXXX XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX XXXX XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant distress and potential financial harm, and it is imperative that this error be corrected without further delay. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Date opened : XX/XX/XXXX Status : Collection account. {$450.00} past due as of XX/XX/XXXX. XXXX updated : XX/XX/XXXX XXXX : {$450.00} XXXX updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, Equifax, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX & XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under 15 USC 1681. 
XXXX Account # 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 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: Money transfer, virtual currency, or money service

in the summer of XXXX, when opening an account at TRUIST Bank, they told me that my money was insured and showed me the FDIC sign. 

XX/XX/XXXX- XX/XX/XXXX, I cashed a check at this bank and received cash. 

after that, the check was recognized as fraudulent and the money I deposited on the check was deducted from my account. 

when I realized that the one who sent me the money was a fraudster, I tried to stop it, and withdrew all the money that was in my account, and reported to the bank that the sender was behaving like a fraudster, I showed them evidence and told them not to send him money. my evidence was significant. 

the bank ignored my request and sent the money back. 

thus, I lost money in the amount of XXXX dollars. 

police report case # : XXXX Police man : XXXX XXXX ( XXXX ) Date : XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2020 I was at XXXX and paid XXXX to be put on my PayPal account and PayPal never put my money on my account. XXXX checked their side out and it was sent to PayPal and paid but my account never received the added transfer. I have recipe for my purchase transfer. Immediately PayPal voided out my Paypal debit money card the same time when I called them.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX. XXXX, California approximately XXXX transactions, each has unlawful ( cheating and stealing XXXX XXXX XXXX  % to remember XXXX XXXX, the truth. XXXX transactions x @ {$50.00} ( 200 % interest rate designed to murder and kill ) total an excess of {$3900.00} X XXXX = GRAND TOTAL OF {$27000.00} TOTAL AMOUNT REFUND DUE BACK TO CONSUMER : Work with XXXX keeping his messages in truth. In XXXX We XXXX. 
XXXX 's First Holy ( People ) XXXX, Religious Rite and XXXX XXXX XXXX always comes through as the Winner in the End, and The Beginning ( Alpha and XXXX XXXX life without end, XXXX.
Product: Mortgage

About 4 or 5 years ago I had to bankrupt due to lots of medical bills for my son. AT that time I got an attorney and it was really pretty simple. About 6 months ago I was looking into refinancing since my finance charge had gone up due to the bankrupt agreements. I could not seem to get anyone to talk to me about refinancing. To make a long story short my loan was never reaffirmed. I had no idea what that meant until now and I do not know how that happened. For this reason I went back to my attorney and he had to reopen my case. I have since foundout that my perfect payment record is not being shown on any credit beaureau. In other words it is like i do not even own my house. The attorney said they could not do that so now I am find out that apparently they can. My complaint is this. I was not told by anyone about this. They reaffirmed my car but nothing was said about the house. Now the mortgage company says it is my attorneys fault and my attorney says it is thiers. All I know is I am paying on my house and have my credit back in good standing. I am XXXX years old and plan on staying in this house. I am still working because I can not afford to stop working. I need some help to find out what I can do. I think I am being thrown from one person to another saying it was each others fault and here I am still with no house. No credit showing and can not refinance to get my percentage rate down to an affordable monthly payment. Please let me know what I can do. I feel like I have been given the run around by everyone. I have paid out lots of dollars to try to get this corrected and now it looks like I am losing that as well. Please give me an idea as to my next step to fix this. Sincerely and I am not sure what they have done I went from fixed to I believe they call an arm now
Product: Credit reporting, credit repair services, or other personal consumer reports

It's fraud the inaccurate 's on my credit report which are the hard and soft inquires the which are due to my mentally XXXX adult son had applied for loans and credit cards using my social security number associated with my XXXX, XXXX, XXXX credit scores and credit reports my mentally XXXX adult son and the mental XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own that XXXX why I haven't pursued criminal charges or law enforcement presents in the fraud situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXXXXXX XXXXK XXXX Account : XXXX In accordance with the Fair Credit Act XXXX  Account has # XXXX has violated 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having some issues with addresses on my file that are not accurate. My XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit card or prepaid card

My credit report says I opened a sears account in XXXX  but I have never had a sears account and I was XXXX XXXX XXXX in XXXX.
Product: Debt collection

I am writing this letter to formally dispute the alleged debt, which appears on my credit reports and is currently being pursued by Columbia Debt Recovery. After thorough review, I have determined that I do not recognize this debt, and I believe it has been reported in error. 
I am deeply concerned about the inaccurate and damaging information that has been reported to the credit bureaus, as it has caused me significant emotional distress. I understand that the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) provide consumers with certain rights, and I intend to exercise those rights to rectify this situation promptly. 
I request that Columbia Debt Recovery conduct a thorough investigation into the validity of this debt and provide me with all relevant documentation supporting its legitimacy. This includes but is not limited to : A complete account history, including details of the alleged debt, its origin, and the original creditor. 
Copies of any signed agreements or contracts related to the alleged debt with any ID that proof that I own this alleged debt. 
Verification of the date of the last activity on the account.

Documentation proving that Columbia Debt Recovery has the legal right to collect on this alleged debt. 
Please be advised that, until such time as a thorough investigation is completed and you provide me with the requested documentation, I dispute the validity of this debt. I also insist that you cease all collection activities, including reporting this debt to the credit bureaus, until the matter is resolved. 
I am aware of my rights under the FDCPA and FCRA, and I am prepared to take legal action if necessary to protect my rights. I expect Columbia Debt Recovery to act in accordance with the law and to provide me with a prompt response to this dispute.
Product: Debt collection

Company attempts to collect on charged off account no 1099 issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

CURRENT BILLING CYCLE : XX/XX/2019 TO XX/XX/2019 was due in the amount of {$260.00} was due on XX/XX/2019 a payment in the amount of {$260.00} was made on XX/XX/2019 which resulted in a remaining balance of XXXX due. On XX/XX/2019, I received a letter from USAA advising me that my account was at that point in time 30 days past due for an amount of XXXX cents. What I couldn't understand is if I made a payment on XX/XX/2019 and the letter was sent on XX/XX/2019 how the account became passed due 30 days for the XXXX cent difference. The letter stated that payment needed to be made prior to XX/XX/2019. On XX/XX/2019, I called and spoke with an agent to confirm if payment needed to be made or if I could pay it with the rest on XX/XX/2019, payment. I advised the agent that I wanted to confirm that it would not effect my credit and I was advised that it would not. On XX/XX/2019, a payment of {$260.00}, which was prior to the deadline of XX/XX/2019, which was reflecting on their letter. USAA and their agents have provided incorrect information causing my credit report to be hit for a 30 day past due payment for a mistake that they have committed on there end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data  furnishers
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> To : Equifax Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Correction of Credit Report XXXX XXXX XXXX XXXX Dear Equifax XXXX, My name is XXXX XXXX XXXX, and I am writing to formally request a correction to my credit report. Specifically, I am disputing a late payment record that appears inaccurately on my report. This error constitutes a violation of several provisions under XXXX law regarding the accuracy and protection of consumer information. 

The following legal provisions support my request and highlight the importance of accurate and secure reporting practices : 15 U.S. Code 6801 Protection of Personal Information 15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information 15 U.S. Code 6803 Disclosure of Privacy Policies 15 U.S. Code 1681e ( b ) Accuracy of Credit Reports 15 U.S. Code 1666b Timely Posting of Payments 15 U.S. Code 1681a ( d ) ( XXXX ) Exclusion of Certain Transactions from Credit Reports 18 U.S. Code 1028A Aggravated Identity Theft Pursuant to these laws, I respectfully request a thorough investigation into this late payment record. If it can not be verified as accurate, I ask that it be removed from my credit report immediately. 

For your convenience, here are my contact details : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I have attached supporting documentation to assist with your investigation. I kindly ask that you respond in writing with the results of your investigation within the time required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This account is on my credit report and I have disputed this account about accuracy over 13 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Each time I've asked for information, this company refused to send me what I need to verify that this account belongs to me. They even have XXXX listed as a point of contact even though they are the company trying to collect the debt. XXXX told me that they couldn't find the account in question owing the amount listed by Credit Collection Services on my credit report. Here 's what I asked Credit Collection Services for : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX To Whom It may Concern : There is an item on my credit report under the name of Credit Collection Services, and it's original creditors is XXXX  for the amount of {$180.00} that does not have an account number. Under 15USC 1692 G ( my rights as a consumer ), I am entitled to asking any creditor that's accusing me of owing something to ask for a Validation of Debt. I need the following to be sent immediately to my email address XXXX and XXXX : 1. Documentation of the name of the original creditors as well as the name of the current creditor or owner of this alleged debt ( it wasn't clear on my credit report at first ) 2. An itemized account of the amount claimed to be owed including the amount of the principal, the amount of interest, fees, or charges, and if the charges were imposed by the original creditor, debt collector, or a subsequent owner of the debt ( XXXX have no record of said debt so how do I know that this debt belongs to me? ) 3. The last account number with the original credit ( there isn't one listed on my credit report ) 4. The date that this debt was incurred ( the one listed on my credit report XX/XX/XXXX is not accurate ) 5. The date of the last payment ( if this information is available, then you'd know that there is no debt owed ) 6. An original copy of the signed contract, application, or other documents providing evidence of my liability and its terms ( verifying that this is my account ) 7. Proof of chain of title to collect on this debt There is no way that I should have to go back and forth between both these companies trying to figure out how and why I owe this money when a company is claiming that I owe a debt and has placed this on my credit report, but can not show me proof that I do.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue I am currently facing with a company listed on my credit report. I have attempted to have an account removed from my credit report due to concerns that the debt associated with it was never properly validated. 

After I requested validation of the debt, the company in question declined to provide the necessary information. Instead, they informed me that the debt had been paid by their insurance company as bad debt, and therefore, I am unable to dispute or remove the account from my report. However, I believe this response does not meet the legal requirements for account validation under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). 


I respectfully request that the CFPB look into this matter and assist me in resolving this issue. I believe my rights under federal law have been violated, and I seek guidance on how to proceed in ensuring the debt is properly validated or removed from my credit report. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off as a collection on the following date XXXX of XXXX. This account is also being updated as a COLLECTION on my report as if the account is still open and reporting a balance of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX when the account should be XXXX due to the account being a collection account. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attorney General is reporting that my account is delinquent and that I owe a balance. The child that it's reporting on is in my XXXX and has been since XXXX of XXXX. I called in XX/XX/XXXX to request a modification and nothing happened. I called again in XXXX to request a modification again. They agreed and asked if I wanted the payments to be held or to be continually dispersed to the other parent. I asked that they be held. The payments have continued to come out of my paycheck and held by Attorney General until the case could be closed. The problem is that even though they are garnishing payments from my check and holding them, they are also reporting the payments as delinquent since XX/XX/XXXX. I called XX/XX/XXXX and asked that they stop reporting negative and balance owed. They said to just dispute it and they would correct it. I have disputed 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are still reporting delinquent and a balance owed. 

In the mean time me and the other parent signed to have payments stopped in XX/XX/XXXX. I was told 3 months max would correct everything. I called in XXXX to see what was going on and was told at that time that aa lawyer didn't like the agreement a denied it back in XX/XX/XXXX. I sent a complaint and was told they would push it through. 
I called XX/XX/XXXX and was told that a judge signed the agreement on XX/XX/XXXX and they were awaiting the documents from the district clerk. I called XX/XX/XXXX and now they're saying they don't have a record of a judge signing anything.
Product: Debt collection

Prior to dental services, I asked the company if they accepted my insurance and they answered " yes they did. '' Services rendered were to be paid in full by the insurance company per my policy coverage. After services were performed, I was sent a bill in the mail for the complete cost of services. When I called the service provider, I was told that " the lady who told me that they accepted my insurance had made a mistake and they in fact did not accept my insurance coverage. '' The provider claimed that " I was to be responsible for the full amount of charges. ''