23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I used my ADP Wisely card via XXXX XXXX  on XX/XX/XXXX at a XXXX XXXX  XXXX  vending machine to purchase a bag of potato chips in the amount of {$2.00}. I was charged {$50.00}. I attempted to resolve the issue XXXX XXXX, but my emails went unanswered and the phone number was just recorded messages that never led to a human. I tried resolving it with our building manager who referred me to the vendor that manages the building canteen, but he claimed there was no record of the {$50.00} charge, only the charge for {$2.00}. After a month of no resolution, I then submitted the dispute claim to Wisely for resolution. I provided the receipt from XXXX XXXX XXXX showing the {$2.00} purchase as well as the XXXX XXXX receipt for {$50.00}. Wisely also has record of my bank statement showing the {$50.00} transaction to XXXX XXXX. I submitted the claim on XX/XX/XXXX to Wisely and waited almost 3 months for their determination. My claim was denied. I called and asked for an explanation and was told that they can not tell me why, but I can request that the dispute be re-investigated by sending a letter to a po box address and once again submitting the same documentation I have already provided. Someone has my {$47.00} and it is my belief that ADP Wisely is supposed to advocate and protect me from fraud and or erroneous charges. I feel they are not protecting me as they are legally bound to do so. They have a fiduciary responsibility to protect me from erroneous charges, whether they be fraudulent or due to technical errors.
Product: Debt collection

Midland Credit Management called me three times at my workplace on XXXX XXXX, 2017 after being told during the first phone call that I 'm unallowed to take calls at  work. The second phone call, they spoke to a co-worker and left a message. The coworker told them not to call the job. And then he called a final time, requesting to speak to me and spoke to the coworker that repeated not to call. He said he was an account manager and needed to speak to me regarding my debt, and he kept harassing my coworker. She simply hung up. This was all within less than an hour and a half.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX : {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX  XXXX Balance {$600.00} XXXX XXXX XXXX XXXX Balance {$7200.00} XXXX  XXXX  XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX XXXX Balance {$4600.00} XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX XXXXXXXX Balance {$5700.00} XXXX  XXXX XXXX XXXX Balance {$2900.00} XXXX  XXXX XXXX  XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX  XXXX Balance {$2300.00} XXXX  XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX XXXX Balance {$5800.00} XXXX  XXXX XXXX  XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$4100.00} XXXX XXXX XXXX XXXX  XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00}, must be updated to reflect accurate information on my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under the 15 USC 1681. 


DEPT OF EDU/XXXX ACCOUNT XXXX XXXX DEPT OF EDU/XXXX  ACCOUNT # XXXX DEPT OF EDU/XXXX  ACCOUNT # XXXX DEPT OF EDU/XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX INACCURATE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency might 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 ended report by more than 7 years.

15 USC 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

National Credit Adjusters {$2100.00}. I have no idea who this comapny is. Can they provide me the original application, ssn #, copy of signature, DL #, & current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have, on 4 separate occasions attempted to update my credit report through Experian. I am a victim and have several account VERY negatively effecting my credit. I have send in the identity theft report, proof of identity, proof the account are not mine, only to be told the information has been " updated ''. But all they did was make a comment stating " consumer disputes account ''.
Product: Credit reporting or other personal consumer reports

I was disputing several inaccuracies on my credit report. THE INFORMATION HAS NOT BEEN PROPERLY VERIFIED AND INVESTIGATED OVER THE COURSE OF A YEAR. IF THEY WOULD HAVE DID AN INVESTIGATION PROPERLY, THEY WOULD HAVE SEEN THE XXXX ACCOUNTS ARE INACCURATE IN REPORTING ON CERTAIN DATES ACCROSS THE XXXX BUREAUS. THIS IS AN FCRA VIOLATION AND WILL BE DELETED FROM MY CONSUMER REPORT NOW.
Product: Credit reporting or other personal consumer reports

Despite making these attempts to address these discrepancies, the fraudulent items remain on my account, causing significant distress and inconvenience. The persistence of these fraudulent items on my account is adversely affecting my financial standing and trust in your services. I urgently request a comprehensive review of my case and an immediate resolution. Specifically, I am requesting : A thorough investigation into the repeated failures to remove the fraudulent items. 
Clear communication regarding the steps that will be taken to correct the account. 
A timeline for when I can expect the fraudulent items to be fully removed. 

I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. Please help me remove these items immediately : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX ( {$140.00} ) XXXX XXXX XXXX, XXXX - Account Number : XXXX ( {$2500.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$390.00} ) XXXX XXXX XXXX, XXXX - Account Number : XXXX ( {$220.00} ) XXXX XXXX XXXX XXXX - Account Number : XXXX ( {$650.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$540.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$370.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$540.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$750.00} ) *15 U.S.C . 1681 Section 602 A. States I have the right to accurate credit reporting and 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.
Product: Money transfer, virtual currency, or money service

I was the victim of a so-called me-to-me fraud on XX/XX/2022. I was told by a scammer that my bank account was compromised and for the account to be save again the scammer will send {$370.00} by the way of Zelle. I was told to make sure to say YES to Zelle and the amount. I had no idea what Zelle is or stands for. 

{$370.00} was withdrawn from my checking account at XXXX XXXX XXXX IN XXXX Washington. 
The money was sent to XXXX XXXX XXXX ON XX/XX/2022. 

I notified XXXX on XX/XX/2022. On XX/XX/2022. XXXX Informed me that there was nothing that can be done, because I authorized the transaction. 

I am a retiree and would appreciate to get my money back. 

Thank you, XXXX XXXX
Product: Checking or savings account

Starting XX/XX/XXXX thru XX/XX/XXXX my Social Security deposits were re-routed into an account in the name of XXXX XXXX. When I discovered that my funds were missing, I both telephoned and went to the Social Security office. I went there and to Bank of America on numerous occasions to try to resolve this. An alert was put onto my checking account and my Social Security account. It was very difficult to get any information about what happened. The fraud department at the bank wouldn't talk to the bank manager or myself as we were not the account holders-even though he was a criminal and other people 's checks were also being stolen by him. His account was closed but nothing was said as to how to get my money back. I filed a police report with the XXXX XXXX Sheriff 's department. Detective XXXX was able to locate XXXX XXXX in Georgia but the Georgia police were uncooperative in helping to apprehend him. Detective XXXX also filed a report with the Office of the Inspector General/Social Security. It has been a long time since this all started and I am at a loss as to what to do next to try to resolve this. It is over {$12000.00} and almost two years since it all started. I felt filing a complaint against the bank would be the next best step.
Product: Payday loan, title loan, personal loan, or advance loan

I paid them {$6800.00}, they took the money out didnt pay the principal not the the fees, they took the {$2000.00} aside just missing, and they charged me 230 % apr in 1 year, they took 460 % apr within 1.75 years, they deleted my website history payments, I worked when was the lockdown and made every signle paymnet, and recently I found they stole some money out and only put 14 % toward the princial, this is in their balance sheet I had to get through the judge, and the balance sheet number don't add up, it's a hand typed, the calculations dose n't add up, start ending balance shows XXXX, if you calculade XXXXXXXX XXXX is missing out out of my payment, I paid {$6800.00}, they only put 14 % toward the principal within 1.75 year, like 8-9 %, they forged this sheed asking me I have to pay XXXX XXXX, yearly intrest of 230 %, and so on, but they are taking the money out and didn't put more than 10 % towards the princial, they are soo rude they have this delivered to the judge it's a forgery document ( hand put together ), and 230 % apr and 9 % towards my princial its ilegal, florida statues XXXX XXXX for 18 % max not 230 % apr and money stolen out
Product: Payday loan, title loan, or personal loan

I purchased hearing aid services through Comenity Capital Bank 's XXXX on XX/XX/XXXX. We returned the XXXX XXXX and received a credit for most of what was owed, but had a balance of a few hundred dollars. On XX/XX/XXXX, I paid the balance on the account of {$120.00} online, which was due on XX/XX/XXXX. We assumed the account was paid and closed the account. On the back of the statement, it states if you pay the balance owed, there will be no further charges. 

We received a statement dated XX/XX/XXXX showing our payment of {$120.00} received but the statement showed a minimum finance charge of {$2.00} owed. My wife ( XXXX XXXX ) called customer service to question the charge but they would not talk to her because the account was opened under my name ( XXXX XXXX ). 

We received another statement XX/XX/XXXX charging, {$2.00} late fee, {$2.00} minimum interest charge and the {$2.00} balance from XXXX for a total of {$6.00} now due. I sent a certified letter on XX/XX/XXXX to request correction on the account, stating we had paid the balance in XX/XX/XXXX. I received a letter from Comenity Capital Bank dated XX/XX/XXXX stating they reviewed my claim and were researching it. They noted to allow 90 days to complete their investigation. 

I have continued to receive monthly statements with increasing fees and interest added. On XX/XX/XXXX, I sent an email through their Secure Message Center on their website, asking for a response and why I was still getting charged for an account that was paid off on XX/XX/XXXX. I received an email back on XX/XX/XXXX stating they saw a dispute filed on XX/XX/XXXX and it would take up to 90 days to complete the resolution. 

After receiving yet another statement dated XX/XX/XXXX, with more fees and interest, for a total now owed of {$99.00}, I sent another certified letter on XX/XX/XXXX asking for a resolution. It was now 120 days since my initial letter was sent on XX/XX/XXXX. I have had no response as yet and the account still shows a balance of {$99.00}. 

I have also found out that they are reporting my account as delinquent to credit bureaus. I do not see that they have noted the balance as disputed. At XXXX XXXX XXXX, this has caused me great aggavation and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, XXXX, and XXXX multiple request to reinvestigate these accounts for months : Ally Financial : # XXXX and US Dept . of EducationXXXX : # XXXX. However, they have consistently stated that everything was complete and accurate. How is that even possible when the open dates and the date of last activity are clearly incorrect and much more? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are reporting incorrectly. 15 USC 1681 Section 602 A. States, I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : Also states ; a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681c ( a ) ( 5 ) 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 USC 1681s2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate. 
I have repeatedly informed the above stated agencies that the information being reported is in fact incomplete and inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX 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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint is being filed to demand pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian credit reporting agency , block the 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. The fraudulent, inaccurate, and false information consist of 21 accounts reporting fraudulently and inaccurately. See attachment. These accounts have resulted in several fraudulent collections and accounts appearing on my consumer FICO credit report. I've attached a list of the accounts in question. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. 



I am also filing this complaint because are 21 accounts on my credit report that XXXX, XXXX and Experian have allowed to be on my credit as a result of identity theft. They are unlawfully reporting accounts that arose from IDENTITY THEFT and did not verify the aforementioned accounts as required by law and are now reporting to my consumer report. according to 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In General. 



WHOEVER, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because they furnished, shared and are allowing the publication of my consumer report without my written permission as stated by federal law.

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



I, XXXX XXXX XXXX never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. They also do not have any permissible purpose to furnish my personal information to any third parties.
Product: Student loan

After having difficulty getting a cosigner release form from Firstmark, I filed complaint # XXXX as they would not respond to me. They did provide a release form in their response to you but never sent it to me. On XX/XX/XXXX I sent them a completed application and the requested paystubs. The form requests my permanent address, not my mailing address, which I provided. My mailing address is listed on my paystubs as it needs to be to receive my paycheck. XX/XX/XXXX, Firstmark denied my application because the permanent address provided does not match my mailing address. My mailing address is also the only one they have on my account.