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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX ( XXXX Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This account was paid to XXXX. I have no idea what company this is that is trying to collect addition money. I switched over from XXXX to XXXX XXXX XXXX and from my understanding XXXX XXXX XXXX was to pay from me switching over. This is a thrid party trying to collect funds when account was closed. CONVERGENT OUTSOURCING
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Franklin Collection Services has been reporting on my credit reports for several years now. I have received some letters from them while back with some references to garnishing my wages and seize my bank account knowing that I get social security. I tole them before they cant take my bank account. Also they are collecting from XX/XX/XXXX or XX/XX/XXXX for {$450.00} for a accunt for XXXX which another company has been collecting as the same time. XXXX owes me money ( and XXXX of other consumers ) for fraudulenty adding false charges on their statements. There is a class action suit. I disputed tis Franklin Collection Services with credit bureaus and it keeps coming back as reported correctly. That s wrong. XXXX told me to contact Franklin but they are not responding. Also I am an official ID Theft Victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an account for a company called XXXX XXXX, I have disputed it multiple times and they will not remove it. I have no idea who this company is and they keep adding remakes that do not make sense to me.
Product: Credit reporting or other personal consumer reports

I reported a fraudulent usage of my card to discover card, they initially cancelled the then present card and issued me a new card, also returned all reported fraudulent charges. About 6 months later they returned those charges on my new card without any explanation. I called discovery many times to report this issue and also to complain about their findings, to no avail, rather i was asked to set up a payment plan. At this point, the account has been charged off and reported to the credit agencies. I have called and asked for this report to be deleted and reaccessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent in a complaint and have not received the necessary results. The attachments provided include the necessary documentation to have these items removed from my consumer report. These items are preventing me from obtaining an advancement in job opportunities. Please remove immediately.
Product: Debt collection

COMPANIES Procollect XXXX XXXX - XXXX Ive attempted to settle this account for a length of time that has now become problematic. This matter is now over a year old and remains unresolved through no fault of my own. ( You can see this by the documentation that has been attached ). 

At this time, as well as all other times, I simply want to take care of this issue and move on with my life. XXXX XXXX and Pro Collect have violated my rights under the Fair Debt Collections Practices Act and reported an INACCURATE Debt to mine and my sons credit reports In the attached documents you can clearly see I made payments to XXXX XXXX .. BEFORE this account was turned over to a collection agency. ( ProCollect ) Speaking of PROCOLLECT, once received by ProCollect this matter was reported to the credit bureau BEFORE the validation was received. In the validation they only provided a lease. In speaking with XXXX XXXX Property Management they have not sent anything to Procollect Now that this is with PROCOLLECT, I am STILL having a problem. As you can see in the attached I have attempted to settle this matter with no success. I continue to contact ProCollect. Each time I am advised that I can only speak with Mr. XXXX AND that it has to be done via email. Well as you can see that is not going to well. 

At this time my desire is to clear this matter and correct our credit reports. Considering that so much time has lapsed already, Please see the attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, And Equifax Credit Bureau are reporting an unknown public record on my credit file that is hindering me from getting the proper finances to support my XXXX XXXX daughter and I was denied an mortgage loan because of it. 

They have a police report on file, that I have sent a total of 6x with the account on it.

This is unfair!!!! 

Public Record # XXXX
Product: Checking or savings account

There was an amount of {$860.00} in XX/XX/year> that was credited back to my account due to a fraudulent transaction that occured on my account where I did not received what I purchased. Chase Bank did not ask me for any follow up information on the fraudulent purchase. They insisted that I make the transaction and took the money back. I honestly know this investigation was not done at all as there are multiple legal documents and petitions to show that this money was taken fraudulently.
Product: Money transfer, virtual currency, or money service

Hello, Ive tried to reach out to PayPal 5 times now and they havent helped me whatsoever. I have attempted to cancel a money transfer to a fraudulent account via PayPal. Then since they didnt help me I blocked the payment from my bank which was successful until PayPal just randomly chose a card on my account and charged it WITHOUT permission despite me telling 2 different service reps that I had withdrawn my authorization.
Product: Checking or savings account

We have been paying XXXX for over a year, ( automatic withdrawal ) but their app has never worked. Every time we needed to make a payment the app would not work. I finally contacted the XXXX  Customer support in XX/XX/year> and the clerk could verify that the app did not work. I was instructed to delete and download app again. Which I did. Did not work. Clerk had me repeat the process, use a XXXX  Credit Card to check, and with their own Credit Card, the app did not take the payment of {$10.00}. An hour later and many deletes and uploads the app finally worked. The clerk stated " the almost $ XXXX I have paid for all these months since the last made transaction, would be refunded ''. That was the end of the conversation. I received then a few days later : Thank you for choosing XXXX Admin Support, we are happy to advise that your inquiry XXXX has been resolved! Resolution : Your App market refund has been denied, after further review your request is ineligible due to the fees being valid. Thank you for being a part of the XXXX community ; we appreciate your business! Regards, XXXX Admin Support. 
During XX/XX/year> I accessed the app again, and again it did not work! Another clerk had me do exactly the same process and it took her XXXX to get the app to work. 
I want my refund for all the months I have paid and have not received service.
Product: Checking or savings account

I have an account open with Capital one and was errors that caused restriction on initiating my tax refund from the IRS I will like to have it escalated to claims for making purchases that disputed XXXX claims that were in my account when it reversed a loan that we had on my account to supply my account information stated that they were giving it to other banks and consulted them to link them together with the transfer. So I made a complaint that it was not lignin in my user name due to restrictions and owed me money on my job for a claim refund I ipen case called them and asked them to waive them and A fraid investigation was open on my account and enabled a security that could reflect the results later but never sent me the claim refund said could take up to 90 days to waive and I need some help opening my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account with JCMP card service. I never had an account with this company
Product: Debt collection

State Collection Service Inc was sent a letter to provide validation of {$1000.00} that they claim is owed to them per credit reporting services.  State Collection Service Inc sent on XX/XX/XXXX and XX/XX/XXXX itemized statements from XXXX XXXXXXXX XXXX Medical Center with personal information of medical procedures and nonmatching account numbers. There is no documentation signed with permission for State Collection Service Inc to have said medical documentation if procedures were provided, therefore HIPAA rights have been violated. Personal information has been illegally obtained, also erroneous accounts have been created. State Collection Service Inc is attempting to collect a debt that is not legally owed to them and/or is falsely created.
Product: Debt collection

This Items been removed months ago & the debt collectors ( XXXX  ) re added the same 3 collections back to my TransUnion & XXXX credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : XXXX, XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by the company listed at the end of this document. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act S604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in the unauthorized credit inquiry. As part of your investigation, please send the names, business addresses and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I request a copy of any documents authorizing credit inquiry and signed on my behalf so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind to forward to me documents that you have had the unauthorized inquiry removed. If you find that I am in error, please send proof of this. According to the provisions of S612 ( 15 us S 1681j ), there should be no charge for this report. 
Thank you. 

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

NO RESPONSE OR COMPLIANCE FROM EQUIFAX LLC, OR XXXX SINCE DISPUTE SUBMITTED ON XX/XX/2020. This is my second written document that has been forwarded to these credit bureaus. Neither credit bureau has responded in ( 30 ) days. ( They should delete these items from my credit report. ) I filed a dispute with EQUIFAX LLC, and XXXX on XX/XX/2020 about fradulent, innaccuarate or unverifed items on my credit report. 

Name of negative accounts on Equifax LLC & XXXX listed below : 1. XXXX XXXX  XXXX Unverified Account 2. XXXX XXXXXXXX XXXX Unverified Account 3. XXXX XXXX  XXXX Unverified Account. 

Name of XXXX negative inquiries listed below : 1. Creditor : XXXX XXXX - Inquiry Date : XXXX - 2.  Creditor : Us Sm Bus Admin Oda - Inquiry Date : XXXX XXXX. Creditor : XXXX XXXX XXXX  - XXXX XXXX : XXXX. 

Name of Equifax negative inquiries listed below : 1. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX 2. Creditor : XXXX XXXX - Inquiry Date : XXXX - 3. Creditor : XXXX XXXX XXXX - Inquiry Date : XXXX. 

I advised Equifax LLC and XXXX  that the fradulent, innaccuarate or unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I advised Equifax LLC and XXXX  that they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I made clear I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit card or prepaid card

I have been trying for several years to get this item removed from my credit report. I have contacted the credit bureaus and the creditor to get this item removed. Back in 2013 I was a victim of identity theft and I informed both the credit bureaus and creditor of this matter. I need this item removed immediately as It has been hindering me from moving forward with other financial matters
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby do not acknowledge the following accounts and/or account balances described in the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired of explaining to XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and others. WELLS FARGO conspires with these companies to commit fraud because they have been provided settlement, have discharged and have been provided settlement again. Since lying WELLS FARGO employees want 60 days to investigate something they have investigated many times in the past, according to the Fair Debt Collection Act they are supposed to take the disputed item off the credit report while they investigate. I guess WELLS FARGO makes the rules, I guess they don't have to follow the law, I guess XXXX money can buy you anything! When are you going to stop WELLS FARGO from damaging the people! They have killed me in commerce, financially slaughtered my character, economically held me hostage until I have suffocated and now my vessel in commerce is dead. How am I supposed to live? I am a living woman who has the same right to live in peace on my own land but WELLS FARGO continues their deceitful tactics and their conspirators XXXX, XXXX, XXXX, and XXXX help them perpetuate the fraud. 

According to United States Code Title 15 Subsection 1601-1666 Pertains to WELLS FARGO 's bad banking practices. 

Consumer Law - 15 USC 1602 ( I ) Credit Card - used my Social Security Card as funding to pull credit, so what has WELLS FARGO lost? They are liars!

Truth in Lending 15 U S Code 1605 Determination of Finance Charge ( what they aren't telling you ) - Finance charges should be provided separate from the rest of the document, but you WELLS FARGO loves small print and comingles all the charges together. 

ANY transactions that I have ever done with WELLS FARGO have been settled many times over plus when I had my business account their they got full benefits for the income I put in the bank from the business. They kept title to the securities deposited because according to their records the securities were abandoned. If the public school system and universities trained us to operate in commerce we would know and XXXX would not be on the verge of finance collapse! This is WELLS FARGO and their gang of banking criminals ' fault!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX {$130.00} XXXX {$440.00} CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX
Product: Credit card or prepaid card

In XX/XX/2018 I received an application form by mail from XXXX XXXX XXXX XXXX XXXX with the promotion of free membership fee for the first year, and XXXX bonus points if I spent at least {$2500.00} in the first 3 months. I decided to open a credit card. However on XX/XX/2018 I was charged {$95.00} for membership fee. I called customer service representatives on XX/XX/XXXX, and was transferred to a manager name XXXX  ( ID # XXXX ). I was told that my account will be credited {$95.00} in 2 to 3 billing cycle. In XX/XX/XXXX the charge was credited but my account was closed and all my accumulative points were deleted. I called and talked to a manager name XXXX ( ID # XXXX ), she was very rude and unfriendly. She told me that the bank had the right to close customer accounts any time without notices.
Product: Credit reporting or other personal consumer reports

Equifax fail to follow the law relating to claims of identity theft. They're causing harm and injury. Please block and remove this information from my credit report, pursuant to section 605B 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed being OPEN, but also having a past due. BALANCE of {$3500.00} This is a violation of the FCRA and is in violation of requisite XXXX XXXX reporting standards.

According to the Fair credit reporting act. I have a right to completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.

Please Immediately remove this account from my credit report and send me an updated report with all XXXX XXXX reporting standards and this account removed upon completion. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/23 at XXXX am, I was notified by XXXX that CIT Bank made an attempt to access my XXXX credit report. The attempt failed because I keep my XXXX credit report frozen. 

I attempted to contact CIT Bank and they state they never made any attempt to pull my credit report. They suggested I contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  and they also stated they never attempted to pull my XXXX credit report. 

XXXX CIT Bank and / or XXXX XXXX XXXX  are lying. XXXX told me that there is no doubt whatsoever that an inquiry from CIT Bank was attempted. 

Since I never applied for credit from either CIT Bank or XXXX XXXX XXXX  and I never gave them permission to pull my credit report, they acted illegally and attempted to access my credit report without permissible purpose, in violation of the FCRA. The fact that they lie and claim never to have attempted to access my credit file makes it even worse.
Product: Debt collection

I canceled my membership with XXXX XXXX XXXX on XX/XX/XXXX over the phone with the owner, XXXX. She then reminded me that i would have to pay the for next two months when canceling in which I did. After she contacted me months later saying that my card was declining and I owned money and as I told her I had canceled it and hadnt gone to the gym since. I have my bank statements to prove that I paid my last XXXX bills and was not charged after because I canceled it. She then sent a collection agency after me in XX/XX/XXXX. Not knowing the depts of her actions, I ignored it as i DO NOT owe her any money. They had stated that i owed {$220.00} originally to her which is false. A week ago, the collection agency hit my credit report as a dept and ruined my score. I tried contacting XXXX and she said she would check if the debt was valid. I told her when i called to canceled and she said she would check the call logs. While doing so she kept being up my boyfriend and his sister and ignoring the cause of problem. She then accused me and my boyfriend of defamation and after I told her that SHE is the only one participating in defamation for falsely accusing me and my boyfriend and my boyfriends sister of owing money she ignored all else and said that the debt was valid and instead of the {$220.00} i originally am supposed to owe her, it is now {$400.00}. I want the collection agency off of my report as i do not owe this woman a single cent.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.