23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I formally disputed several accounts currently appearing on my credit file. In the initial dispute, I requested validation and verification of the said accounts, as they do not belong to me. 

To date, I have not received any documentation or proof validating the legitimacy of these accounts. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to receive proper verification within a reasonable time frame. It has been two months since my initial communication, and I am concerned about the lack of response. 

I understand the importance of addressing and resolving discrepancies on my credit report promptly. Therefore, I kindly request that you expedite the validation process for the disputed accounts and provide me with the necessary documentation as soon as possible. This information is crucial for me to understand the basis of these entries and take appropriate action to rectify any inaccuracies on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Greetings ; I was the victim of a fraud/scam and my Wells Fargo checking account was depleted. Wells Fargo refuses to take responsibility ( though representatives have apologized for the bank 's failure to protect me from fraud ). Below please see my most recent letter to Wells Fargo which gives a detailed description of what happened and explains why the funds should be restored to my account. I would appreciate any help you can provide. I need to recover my {$7000.00}. I am retired and living on a fixed income. Thank you, XXXX XXXX Wells Fargo leadership ; As a long-time, loyal customer of Wells Fargo , I am greatly disappointed about your denial of protecting me from an obvious fraud on my account. Again- for your information, please note the following : * My name is : * Wells Fargo case number : * Account number ending in : * The bank permitted an unauthorized fund transfer of {$7000.00} on XX/XX/2024. I reported this issue to XXXX on XX/XX/2024. I met on that morning with the XXXX XXXX branch XXXX, XXXX XXXX. 

As I previously explained in writing, the fraudsters had hacked into my account and fraudulently set up an unauthorized electronic fund transfer. They used a Wells Fargo phone number ( the XXXX on my debit card ) to communicate to me as allegedly Wells Fargo employees to convince me that I was approving a recall of a funds transfer. To be clear, I never knowingly approved any funds transfer in this matter as your letter indicates. The approval was only to recall a funds transfer. 

My understanding is that under the XXXX XXXX any electronic fund transfer initiated from my account other than by me is an unauthorized electronic fund transfer - even if I was fraudulently induced to approve a recall of a transfer. 

As I reported this unauthorized funds transfer within XXXX days, my account should be credited in full ( net of {$50.00} ). 

Also, please provide to me all documents used to deny my claim as required under the XXXX act. 

Let me know when there is a convenient time to have a follow up call to discuss restoring the funds to my account. 

Best wishes, XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
Accounts in Question : XXXX XXXX  Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I mailed Upgrade INC a certified letter via the USPS, which they received on XX/XX/2022. In the letter ( attached here ) I made Upgrade INC aware that I did NOT agree with the amount of the alleged debt being reported by them to consumer reporting agencies. I requested documentation showing where the debt originated, how the debt was calculated, and any other documentation that proved their claim is valid. My request is pursuant to 15 usc 1692g ( a ). I still have not received any response from Upgrade INC nor any of the documentation I requested to prove their claim is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sold the account and XXXX XXXX  took over in XX/XX/2019. I was never informed about this, XXXX XXXX never contacted me for the payments or called. I left them Messages for months finally I got hold of someone in Customer service who took {$1000.00} Payment and informed me my Account is open and in good standing. They one day later I found out by reviewing my credit report that they closed my account months ago again without informing me ever and on XXXX XXXX their operator took my payment and inform me that account was in good standing as curtesy she waived the late fees because of the bank error. 

They defrauded me out of my money and misinformed me. XXXX XXXX  took the money during the most awe full time when I could have used this to feed my children.
Product: Debt collection

I filled a credit report dispute which was received and opened for investigation on XX/XX/24. I asked Experian to reinvestigate and send me all information gathered and used to Verify this debt is mine. Try the same day the dispute is open they update and close the inquiry for XXXX XXXX XXXX. How can you update something that quickly yet provide no explanation?
Product: Vehicle loan or lease

On XX/XX/2023, I sent flagship credit acceptance a letter and they sent it back with a stamp on the envelope saying in dispute. Today XX/XX/2023 I woke up and my car was repossessed. They never sent me a letter or tried to contact me at all. They zeroed out my account then changed it to a chargeoff online. They did an illegal repo and I want to my car back. They are telling me I have to pay {$6600.00}. to retrieve my vehicle. I have sent them countless letters for payment, and I have sent them a recission letter that they brushed off saying that they don't agree with. On XXXX XXXX, I sent them a recission letter which they denied to honor. XXXX XXXX XXXX never responded to my recission letter.
Product: Credit card

Mercury Financial Inc. claims on their website that " *Pricing Information : Annual Fee : {$0.00}. The variable Annual Percentage Rate ( APR ) for Purchases, Balance Transfers, and Cash Advances is currently 29.99 % to 32.99 %. The APR will vary with the market based on the Prime Rate. Minimum interest charge : {$0.00}. Balance Transfer Fee : 4 % or {$5.00}, whichever is greater. Cash Advance Fee : 5 % or {$10.00}, whichever is greater. Foreign Transaction Fee : 3 %. This information is accurate as of XX/XX/year> and is subject to change after this date. '' which was well over 12 months ago & cardholder is requesting replacement card
Product: Credit card or prepaid card

on XX/XX/XXXX we ordered food at 1 or 3 in the morning from XXXX XXXX I mean from XXXX XXXX a local place in XXXX XXXX XXXX to XXXX two minutes later the amount of XXXX dollars and XXXX cents another mount for XXXX dollars and XXXX cents and then another amount for {$0.00} all three of them States ATM withdrawal is no way possible you can even injure all withdrawal does large amounts out of ATM anywhere that I know of even in South Carolina so with that being said they know we didn't use the money that's it it's a lot of fry going around they promised us three emergency expense diet call confirmation numbers they would expedite the process due to the circumstances they told us to send in the dispute form being that it didn't get here in a timely fashion we created our own dispute form with a case number on it all the information times dates and everything still yet have yet to hear from the XXXX XXXX each time I call they won't go online for 3 hours waiting my sister has no food she just got a tooth pulled she can't even feel prescriptions also her rent is due date charging her late fees we went into the local social security office is nothing they can do she has a mental health appointment this week she has a copay she has to pick up other XXXX   medications and whatnot they still will not comply it's been since the third for the first dispute form I send in my own cover sheet and everything they said they received the emails the investigator will Contact we no one ever called back at please tell me what to do cuz the XXXX XXXX is not doing their job is disgusting is sick and I told them my sister make XXXX did they told me to go to the local social security office and see what they can do I don't know what else to do a promise this emergency transactions are emergency funds because they said it's going around some company from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they know that we didn't use the one that all we order the food came to a total of {$20.00} we still have the card in our presence they sent out another car and told us three times the funds would be on the card you receive the card the new one in the funds are there please contact us asap please help
Product: Debt collection

I had a credit card with discover bank. I went through a hard time personally so I entered into a collection agreement with a law office that I believe discover had assigned names XXXX XXXX XXXX. The agreement was for XXXX  year. The settlement was for XXXX XXXX XXXX in the amount of {$480.00}. The total was {$5700.00}. 

I have proof on my XXXX  account that I was paying them for that year. Discover still has it on my credit report. I need help in order to get this off. I did my part but it seems that no one is trying to help me. I even tried disputing it through XXXX. 

I also called the company and they said that there was no contract to forward me to review. This made me think they were trying to scam me. 

Thank you in advance, XXXX XXXX
Product: Checking or savings account

My checking account with Bank of America was closed suddenly without notice, and the bank refuses to provide any information or let me access the funds in my account. I have my XXXX XXXX XXXX XXXX in this account and may lose my paycheck if my employer deposits into a closed account. They have essentially taken my money, saying I can expect a XXXX check in the mail at some point in the future. This is unfair and the same as stealing my money.
Product: Checking or savings account

I found the copy of a check deposited in ALLY bank XX/XX/XXXX, then credited to my account either XXXX ACCT XXXX XX/XX/XXXX or ACCT XXXX but due to their massive and continual confusion, it's hard to say for sure where they put t. The money XX/XX/XXXX mysteriously disappeared. The company that wrote the check is XXXX XXXX XXXX XXXX and it was an escrow account. The check originally came from XXXX XXXX XXXX 
These both have solid PROOF that ALLY bank accepted check # XXXX. I mailed it and they accepted and deposited it to account # XXXX and routing # is XXXX. Attached see copy. 
I would like that money returned to me. That check is {$12000.00} will I be expecting that check along with the rest of my XXXX? I shall list them? See below. 
I have check stubs for the ones not listed below. XXXX XXXXXXXX XXXX  did an audit of ALLY XXXX  XXXX accounts and agree that they either neglected to send my money or robbed me. Instead of wasting XXXX YEAR to " investigate '' it took them XXXX HOUR. XXXX MISSING XXXXs XX/XX/XXXX yr ... ... XXXX ... ... .... {$5500.00} XXXX XXXX  ... ... ... XXXX ... ... .. {$3000.00} End of XXXX... XXXX ... ... .. {$5000.00} XXXX ... ... ... ... ... ... XXXX ... ... .. {$4000.00} XXXX ... ... ... ... ... ... XXXX ... ... .. {$4000.00} XXXX ... ... ... XXXX ... ... .. {$4000.00} XXXX ... ... ... ... ... ... XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX ... ... ... ... ... ... ... .... {$12000.00} ________ TOTAL owed me ... ... ... ... ... {$38000.00} Please pay me the interest owed since XX/XX/XXXX. 
Or round it off to XXXX Either one.
Product: Payday loan, title loan, personal loan, or advance loan

Vystar Credit Union changed their technology a little over a year ago. When they did that ( after major impacts to online/mobile usage ), the system no longer allowed you to pay the full amount of my personal line of credit. Here is the timeline : XX/XX/23 - Moved {$200.00} from my LOC to my checking account online ; XX/XX/23 - Made a payment of {$200.00} from my checking account to my LOC which showed as the balance ( before the tech change i could see what the payoff was at the time of payment and pay the interest but that is no longer the case ) ; XX/XX/23 - Made a payment of {$0.00} ( this is after I see that I had a balance of {$0.00} from the {$200.00} in XXXX which I tried to pay {$0.00} but the online system doesn't allow to pay the full amount ) ; Note : there is no note on the online system that I saw that said you had to call to pay off the amount ( which is a huge inconvenience not to mention a change to how the account works ). 
Today, XXXX, I logged in and saw that I had a 'Debit ' on my LOC account of {$15.00} that was not familiar to me. I called Vystar and they said it was a late fee from the {$0.00} balance. It was not shown as a late fee and it is a fee that should not have been charged. They did reverse the fee but had I not noticed it and called then it could have become a much bigger problem. To me this is a deceptive practice.
Product: Debt collection

Reference to account :  XXXX  I file a complaint against the company about the debt. The company is being technical stated tha t II di d not put both account number on the complaint of the same deb tto be removed.. They only removed  XXXX  account. The account number  XXXX  still remain on my account. The case was handle in court : I spoke with  XXXX  at  XXXX   XXXX  of  XXXX ,  XXXX   XXXX   XXXX   XXXX .  XXXX .  XXXX   XXXX  stated that  XXXX   XXXX  sent the collection to  Hunter Warfield by   mistake and that they have their own collection for that agency, I should not pay this agency and they should not be on my credit report for this debt. I was told this by  XXXX   XXXX  a t HunterWarfield    XXXX . tha t the complaint was not for both account. XXXX ,  XXXX   XXXX   XXXX   XXXX  have file a garnishment for $   XXXX .the am ount of the judgment by the court.
Product: Debt collection

I recently recieved a letter from a company called Convergent Outsourcing INC on the XX/XX/XXXX stating that I owe {$880.00} to XXXX XXXX   from XX/XX/XXXX. I was XXXX  in XXXX XXXX  at the time and 18 years in the military later now I get a letter for some odd reason and nothing from XXXX XXXX is on my credit report as being delinquent for 18years!!!. I called Convergent and they gave me some bougus info. Please SHUT CONVERGENT DOWN ITS ALL A SCAM!!
Product: Debt collection

Debt has reached- statute of limitations in New Jersey Section 2A:14-1 are 6 years and it has been 7 years since delinquency. Cavalry refuses to remove from credit and are still sending me mail and attempting to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Debt collection

Tried to contact TRANSWORLD SYS INC/XXXX company multiple times, last date of attempt XX/XX/2021 XXXX, all 3 times they hang up or ended the call when they were informed that they needed to provide the appropriate information of the owner of such depth ... they couldn't locate with account # or even Name of the supposed owner of account.. they insisted on a SS #.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a security breach with XXXX on XX/XX/XXXX XXXX XXXX XXXX where customer files were breached. I was one of those customers and my identity was compromised. i recieved a email detailing the incident. Any accounts opened or applied for durring that time period i cant claim responsibilty for TransUnion Consumer Solutions, po box XXXX, XXXX, XXXX XXXXXXXX. 
XXXX 's XXXX XXXXXXXX XXXX  XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX
Product: Debt collection

I WAS VERY HELPFUL TREATED BY CAPITAL ONE BANK I CALLED THEM ALL DIFFERENT SUPPORT CENTER SERVICES I REACH OUT TO THEM CONCERNING BOTH OF THESES FRAUDULENT ACCOUNTS THAT WAS OPENED UNDER MY NAME OR CREDIT REPORT. THEY HAD NO AUTHORITY TO OPEN THESE FRAUDULENT ACCOUNTS UNDER MY NAME AND THIS FRAUD ADDRESS. I HAVE ALSO TRIED TO EXPLAIN TO CAPITAL ONE AND THAT THESES FRAUDULENT ACCOUNTS ARE NOT MINES EVERYONE I SPOOKED TO WAS NOT HELPING WITH THESES FRAUDULENT ACCOUNTS, THEY GOT XXXX WITH ME. I HAVE ALSO ASK THEM WHY DID THEY RUN MY CREDIT REPORT AGENCIES. ON MY STATEMENTS ON ALL THE CREDIT REPORT AGENCIES. I TOLD CAPITAL ONE BANK THAT THEY FELL TO CONTACT ME ON MY PHONE NUMBER BY EMAIL ETC. I TOLD EVERYONE I BEEN DEALING WITH THAT I REFUSED TO MAKE ANY KIND OF PAYMENTS ON THESE FRAUDULENT ACCOUNTS WHEN YALL FELT TO CONTACT ME THEY TOLD ME ITS GOING ON MY CREDIT REPORT ALL AGENCIES SAYING CHARGES OFF ON ALL OF MY CREDIT REPORTS. I HAVE E+MAILED CAPITAL ONE BANK MY TRUE IDENTITY ON WHO I AM WITH MY CORRECT INFORMATION COPY OF MY TEXAS ID SHOWING MY REAL ADDRESS, I HAVE ALSO SENT A COPY OF MY SS CARD I HAVE ALSO MAILED THEM COPIES OF THE AFFIDAVIT, COPIES OF POLICE REPORT CASE NUMBER, I HAD TO GO FIND THIS ADDRESS THAT WAS UNDER MY NAME, I HAD TO CALLED THE XXXX POLICE DEPARTMENT HAD TO WAIT FOR THEM TO COME AND DO A POLICE REPORT ABOUT THESE FRAUDULENT ACCOUNTS UNDER MY NAME ALL THIS INFORMATION WAS SENT IN, ALSO I Have uploaded same information i uploaded to all credits Credit agency all this information, its not my problem they CAPITAL ONE BANK DID NOT CALLED ME OR TRY TO GET IN CONTACT WITH ME ALL THIS INFORMATION STATEMENT ALL CREDIT REPORT AGENCIES PLEASE CALLED ME TO VERIFY IF I APPLIED FOR ANY THING THEY CAPITAL ONE BANK FAILED TO DO SO AND OPEN THESES FRAUDULENT ACCOUNTS UNDER MY NAME
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI XXXX
Product: Money transfer, virtual currency, or money service

Requested a wire transfer and completed the " online verification '' multiple times, XXXX has outsourced their " customer service '' to XXXX and the XXXX, even the branch is unable to assist without dealing with this inept department. 

The wire transfer werification process was completed several times and with the same results, answers as to why the wire transfer process was not completed were deflected with no real answers given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to lift my Equifax security freeze. I can not log into my online account. Whenever I try, I receive a message saying that I have to call Equifax. I have tried resetting my password with the same result. 

It is not possible to call Equifax. I have tried many, many times. After answering all the personal identity questions, I am required to answer four questions about items on my credit report. The questions sometimes span over a decade. I am not sure of all of the answers. Does anyone know for sure what store they bought something from eight years ago? I can not look up the answers because it is impossible for me to get my credit report from Equifax. 

Six months ago I finally wrote to Equifax. They requested me to mail them photocopies of certain IDs and I did so. As a result they lifted my credit freeze for three weeks. This was useless to me as I did not need it lifted for that period. They did not fix my log-in problem. The phone number they gave me to call if I had any questions resulted in the same problem I described above. So writing to them was also useless. 

I can not log into my Equifax account. I can not contact Equifax by phone. When I contacted them by letter, they did not fix the problem. PLEASE HELP ME!
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update these suspicious information. TRANSUNION Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Credit Unions XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Back in XXXX on or around the XXXX I recieved an email stating with my credit score of XXXX I pre-qualified for auto loan. So I applied for a personal loan in the amount of {$35000.00} and was denied. From that day on I have received multiple emails telling me I'm pre approved and that I can get a loan of up to {$45000.00} and each time I log in and send my request in denied .to this day I'm receiving pre-qualified pre-approved emails. 
This has reduced my credit score down to XXXX that's XXXX points .I 'll never be able to rent a roof over my head ..this has XXXX me to the point that I can not sleep .I 've XXXX XXXX, I've never experienced XXXX until this. My social life stopped because my XXXX XXXX XXXX and I'm sick with XXXX XXXX. I've thought of therapy and counseling. I can't believe they are aloud to blatantly say I have money come access it and say no way you don't have a chance at any. I can't even turn on my laptop I'll see an add and I start to XXXX  so I just go to the other room and close door shut light.