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

It has been brought to my attention that you are not blocking files when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : 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 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 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: Checking or savings account

I made a purchase for a new XXXX XXXX from a company called XXXX  The company did not deliver the product so I demanded a refund. The refund was not provided in a timely manner so I reached out to chase to report the issue. Chase bank refunded my money on XXXX behalf. XXXX refunded me my money and then immediately charged it again without my permission. The amount was XXXX charged on XX/XX/2023 then again on XX/XX/2023. Chase bank has now reversed the refund twice and now has my account in the negative. I need help.
Product: Debt collection

XX/XX/2018 After paying {$110.00} on oringal loan & the principal of {$14.00}, XXXX for 18 years, XXXX sold to XXXX XXXX, then sold to XXXX XXXX XXXXXXXX, which doubled the mortgage from {$6000.00} to {$12000.00} & refused payment of {$110.00}, I filed Ch.XXXX Bankruptcy & notified them on XX/XX/2018 about Chapter XXXX bankruptcy. XXXX, refused payment of {$110.00}, called the loan, doubled the owed mortgage of {$6000.00} to {$12000.00} t & sold the BKXXXX mortgage to XXXX XXXX XXXX, Debt collections. XXXX XXXX XXXX KNOWS about the BKXXXX, which is in writing in 2 different letters. In addition, they know, I have satisfied the criteria & been discharged from BKXXXX in XX/XX/2018, which is also known & can be verified in the 2 different letters they have sent. However, the debt collection company continues to call me every Friday, without any regards to the Federal Bankruptcy Laws.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XXXX different fraudelent transactions were made using my Wells Fargo debit card at a XXXX area grocery story chain called XXXX XXXX totaling almost {$900.00}. The charges are fraudulent but Wells Fargo has denied my claim because they were made with a physical card present in which the chip was used. This is not possible. I was in Texas at the time of every single charge and the card was with me at all times. Wells Fargo claims that it can't do anything because it is not possible to duplicate a chip, which is straight up not true. Even the credit reporting agencies like XXXX  are warning about a process they call shimming in which a chip can be fraudulently duplicated. Wells Fargo also failed to identify the charges as suspicious despite the fact that they were unusaly activity made in a city I have not visited since 2006. I submitted a claim and then later tried to appeal it and I believe Wells Fargo is acting in bad faith by maintaining that a chip can not be duplicated when it absolutely can. The bank has failed to protect me and my financial information on several different fronts.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

During the cash app outage, my XXXX orders were cancelled but Cash App allowed the transactions to charge my account multiple times and force me into the negatives. I showed proof from door dash there was an error dated within the time frame of the outage. {$65.00} gone and cash app wants to harass me about a negative balance that was clearly their fault. They denied my dispute with no reason given and did not acknowledge the proof sent.
Product: Mortgage

In XXXX I attempted to catch up on my mortgage payments. I called Wellsfargo to get the total amount to catch the payment completed up. I was told {$1700.00} would catch me up. I sent the payment in within mins of the phone call. Months go by and I'm and I'm still showing 3 months rolling late. They can't explain what happen with my payment. I filled for XXXX XXXXXXXX XXXX XXXX to save my home. Wellsfargo told the court that I now owed them over {$3500.00} past mortgage and late fees. I felt helpless and robbed. Worst company ever.
Product: Credit card or prepaid card

This complaint is perhaps a little tardy as to the merchant who was posting unpermitted charges, my complaint is the handling of the situation by Capital One. 
I will try and be brief : I signed up for advertising and SEO from a california company with my Capital One Credit card, They were unable to deliver the promised service adn the account was cancelled, for months they continued to post charges of various amounts that capital one would not block, i declared the fraud capital one refused to credit the wrongly charges funds and instead stated that they needed me to have a new card - that card was issued ending in XXXX. Trouble was that when the account person at the fraudulent charger called capital one CAPITAL ONE GAVE THEM THE NEW ACCOUNT NUMBER, next capital one says the only thing we can do is close the account ( the credit line of {$10000.00} had become vital to my business and paid 1.5 % cash back ) So I agreed, closing the account because they said after it was closed I could order a new one., so once the account was closed and paid off ( i got the evil merchant to refund some of the taken money ) I responded to an advert by capital one to me for another cash back credit card and I accepted the offer - THEY LIED the card i have been using does not have a cash back feature!!!! On top of that they now say they are only willing to provide a {$500.00} line of credit, odd since I have paid off all revolving debt, have been earning more and own a home now. Beware they are tricky!!!! 
Once
Product: Credit reporting or other personal consumer reports

I do not recognize the credit inquires and I have asked the bureaus to remove these inquires, however the bureaus did not remove the inquires as I asked them. 

Herein, I am providing " Identity Theft Report '' which is attached to this complaint. 

I am requesting these inquiries to be removed since they are inaccurate and unauthorized and not of mine.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card accounts XXXX XXXX XXXX XXXX, an auto loan account opened at XXXX XXXX XXXX and XXXX XXXX XXXX also student loans with XXXX XXXX under multiple account numbers, and a collections account opened at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Is Not Reporting all my Credit Cards or Credit History in the Open Trade Lines of Credit Reporting. Over two months ago I was added as an authorized user of One XXXX XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another Wells Fargo Card with a 4 year credit history. I need ALL of these cards reported to my XXXX Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my XXXX Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need XXXX to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has applied for credit in my name and is fraudently tried to optain credit in my name without my permission. These hard inquiries are a mere blemish to my credit report. This inaccurate information is really hurting my overall credit rating. Here are a list of unathorized inquiries. 

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: Vehicle loan or lease

on XX/XX/year>, Ally financial took out XXXX payments of {$190.00} and then caused my checking account to be overdrawn {$270.00}. 

I would not complain but this has happen in the past with ally financial shortly after accepting the loan. 

couple months ago I had money problems did not have the money in my checking and they made me go through XXXX XXXX to send payments to them.
Product: Credit reporting

XX/XX/XXXX, I had a XXXX student credit card from Wells Fargo Bank. It was sold to a collections agency because at the time I could not keep up with my payments. XX/XX/XXXX, while I was XXXX with the XXXX XXXX, I paid the account in full leaving it with a XXXX balance. To this date, this account still shows up in my credit report which I feel is impacting my credit even after 4 years of the account being paid off. I was promised a full deletion of this account from my credit report, but Wells Fargo still shoes up as a derogatory account. I will submit documentation to proof that I paid this account and left it in a XXXX balance in XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$4400.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently violating FCRA by reporting false and inaccurate information. On my recent Equifax reports the XXXX Bank account XXXX XXXX reporting different information on the XXXX XXXX XXXX Payment amounts don't match on Equifax Credit Report XXXX XXXX to Equifax Report XXXX XXXX The Actual Payment Amounts '' don't match '', The Scheduled Payment Amounts are different. This a violation of the Fair and Accurate Transaction Act.
Product: Credit reporting or other personal consumer reports

This letter serves as a second formal complaint that inaccurate and incomplete information is being reported on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately notation date and balance whether reported or not. 


The 30 days past due payments that are being reported are for months that I was granted an extension arrangement which according to XXXX policy : An extension arrangement is available to customers experiencing temporary, financial hardship to defer one or more installment payments to the end of the contract term. 

When a payment is deferred to the end of the contract, the scheduled contract maturity date, or final payment date, will be extended by each installment that was deferred and may result in the assessment of additional interest. 

How can I be 30 days past due if I made a payment arrangement with XXXX within my due dates and before my grace period ended. XXXX never reported any past due payment until after my auto loan was paid in full. 
I started applying for extensions because of billing errors on XXXX end. I was being charged for payments that was already paid. They never admitted to this, but I have since received checks from XXXX for the overpayments. 
I respectfully request to be provided proof that these payments were in fact late. By the provision of the consumer laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL ( Paid as Agreed. Never Late ) and supply a corrected credit profile to any creditor who have requested my credit report in the last XXXX months. 

I have attached copies of my transaction history printed from my online account with XXXX and my payment history that was emailed to me from XXXX.
Product: Debt collection

When I began to transact business with Western Sky Financial on XXXX XXXX, XXXX, I received {$5000.00}. To date, I have repaid {$6300.00} : The original {$5000.00} plus {$1300.00} extra. With no official notice to me, Western Sky went out of business in XXXX XXXX yet, I unknowingly continued to pay towards the loan and follow all the rules handed to me by XXXX and Delbert Services who acted as debt collectors and continued to harass and collect thousands of dollars for Western Sky. After discussing the loan with my tax preparer and embarking on my own investigating, I decided to stop paying Western Sky, XXXX, and Delbert Services until I got answers. In XXXX of XXXX, I learned Western Sky hired the XXXX XXXX XXXX XXXX XXXX XXXX. Nothing Attorney XXXX XXXX submitted to the Attorney General Office of Illinois around XXXX XXXX, XXXX sounded reasonable to me. Further, no one from the XXXX XXXX XXXX XXXX XXXX XXXX ever contacted me DIRECTLY, made XXXX phone call, left XXXX voice message instructing me to contact that LAW OFFICE, or delivered XXXX piece of mail instructing me to do the same. If any of this had occurred, I would have in turn, contacted an attorney and given that information to the attorney so that the attorneys could discuss the issues, not me. I was only instructed to contact XXXX XXXX, Customer Service Manager at XXXX and " work out a mutually agreeable settlement in this matter ''. These instructions were typed within Attorney XXXX 's response to the Illinois Attorney General Office. To me, this sounded like yet another invitation to speak with another customer service representative and be further kicked around again. I chose not to engage. 
For an entire year following, no one called or wrote me until XXXX when a male representative from XXXX began calling and left a message for me to contact his office to set up payment arrangements. Shortly after, in XXXX and XXXX XXXX, I received debt collection letters from XXXX informing me I now owed balances of {$12000.00} in XXXX XXXX, and {$12000.00} in XXXX XXXX : XXXX balances being well over and above the original amount of {$5000.00} borrowed. After checking my credit reports with XXXX in XXXX of XXXX, I discovered that XXXX followed through on their threats to report negatively on my credit reports therefore further damaging my chances to receive honest credit from honest lenders. Surprisingly, nothing was ever negatively reported regarding either Western Sky, XXXX, or Delbert Services in XXXX, or XXXX. I believe the only thing I ever saw was either XXXX or Delbert Services listed as a creditor on my reports but neither ever reported any dollar amounts or payment histories.Western Sky was never listed and they were the ones I got the money from. I also believe when I XXXX began to complain back in XXXX of XXXX, the only thing I did see on my credit report was a " closed '' account. I thought since the account was " closed '', nothing else could or would be reported. I will verify what happened with the credit bureaus on a normal working day for accuracy because today is a national holiday. I will later be attaching the results from the bureaus.
Product: Credit card or prepaid card

Received letters from following banks denying me a credit card application. I never applied for these credit cards. I have contacted the banks to inform them and file a fraud report. The banks stated they will contact the Credit Bureau. I also filed contact XXXX, XXXX, and XXXX so it does not negatively impact my credit score and to place a Fraud Alert. 

XX/XX/23 - Comenity Capital Bank for A Zales Card
Product: Credit card or prepaid card

Someone hacked into my Discover credit card account on XX/XX/2019 and made a transfer of {$8400.00} to a XXXX Bank account XXXX in MN. Discover added a transfer fee of {$330.00} to bring the total to {$8700.00}. 
I reported the fraud to Discover Security in late XX/XX/2019. They called me saying that I had verbally approved the transfer so no fraud occurred. Not recalling me doing this I asked them to text me the recording of the call, but they refused, saying it was propriety information, needing a subpoena. 
I filed a fraud report to the Internet Fraud unit of the local XXXX XXXX department. The investigator contacted Discover Security who told the same story that I approved the transfer, so no fraud occurred, so no crime to investigate. 
I filed a complaint with the Internet Crime unit of the FBI in XXXX, and have never had a reply or response. 
Neither XXXX XXXX or Discover Security found out what XXXX Bank account holder received the transfer to get it back, or who hacked into my credit card account, nor did they try. 
Discover focused solely on blaming me ( without disclosing evidence ) and refused to credit the fraud amount to my credit account.
Product: Debt collection

I recently filed a complaint via CFPB in regards to TSI ( Transworld Systems Inc. ) furnishing information on my credit report. I researched and it appears the original creditor is XXXX, XXXX  XXXX XXXX. Now, TSI responded and said they received information to VALIDATE my alleged debt, to which they send yet another bill with itemized numbers and information that does not solve the solution. Question, how did you VERFIY ( not validate ) this alleged debt? Because according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that an debt is disputed, the debt collector is SUPPOSED to obtain VERFICATION, not validation of the said debt. YOU ( TSI ) responded with " validation information ''. This alone, is a violation. 

Secondly, how did you get the address that is listed? It seems to me you have infringed upon someone's privacy ( identity theft ), aka personal data to retrieve such information. Hopefully, YOU ( TSI ) didn't send " validation information '' to a household that is unknown to any party, because that surely increases the chances of identity theft and that would be in violation of 15 usc 1692 ( f ) ( 7 ) ( 8 ). The address that is stated on the " validation information '' pdf belongs to someone who lives in a house ( XXXX search ). See how easy that was to send unwanted strangers to a particular place. I have NEVER OWNED a house in my life. 

On XX/XX/2021, TSI removed this account off of my credit report, then chose to furnish it once again, that reported on XX/XX/2021, causing a derogatory mark to hit my report and also a decrease in points on my credit score. YOUR ( TSI ) collections practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt.