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

I do not believe that I am the original debtor. I am requesting that XXXX validate the debt and provide the original documents. 

Fact - background In XXXX  of XXXX, I was informed by my employer that XXXX XXXX was planning to garnish my wages and provided me with a court date that was within the same week. I was never called or given notice via mail of the pending legal actions ( I recently became aware that they were sending information to an address in XXXX where I have never lived ). I reached to XXXXXXXX XXXX XXXX  to inquire about the hearing and to inquire about the debt prior to the hearing but no one returned my calls. 

I appeared without an attorney and not knowing the process and between the judge and the attorney I was not able to get a word in edgewise to inquire about the details of the debt. I have student loans from graduate school that I am responsible for so thought, in error, that they can't garnish my pay if it was not my debt. In the hearing I was ordered to pay {$500.00} a month. 

I became XXXX in XXXX of XXXX and contacted the XXXX XXXX XXXX  at least 10 times to make lower payments. I spoke with a paralegal by the name of XXXX, I contacted XXXX XXXX at XXXX XXXX and finally and Attorney at XXXX named XXXX, none of whom addressed the issue of confirming the debt nor returned my call with any resolution, nor accepted lower payment arrangement request. 

XX/XX/XXXX my bank account was levied for {$11000.00} ( which was money from my XXXX claim ) and again I never received a call or notice at my home on XXXX XXXX, where I have lived for 19 years! I contacted XXXX XXXX of XXXX to report that XXXX XXXX was not responsive to my calls and request and that again they DID NOT NOTIFY OR CALL ME to inform me of any pending court action. 

This is when I asked XXXX XXXX to verify the contact information that he had for me and to verify the debt. He proudly gave me XXXX XXXX XXXX XXXX, XXXX, CA XXXX as the address where they served documents and he mentioned that the debt originated in XXXX. I informed him that I have never lived on XXXX XXXX and I had been at my current address for over 19 years and that I completed graduate school in the late XXXX 's and did not take any student loans after XXXX. 

I believe that this loan was taken out by fraud in my name by someone living at the XXXX address or erroneously applied to me through administrative error. 


I request that XXXX validate the debt and show original documents. 

I can be reached at XXXX. Via telephone at XXXX and mail at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX  XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Bank account or service

I purchased a truck and then returned it to the dealer. The dealer then paid off the loan with Capitol one and the check was deposited by Capitol on on XX/XX/2017. Capitol one is still showing an outstanding loan for us and indicating that we have a payment due XX/XX/2017. I have talked to XXXX different people at Capitol one and they do say they have received the check but it is in a different department and they do not know why it has not been sent to the loan department. I do not understand why it is taking so long for them to post this check to this account and show it closed. Our credit is now being put in jeopardy. Please Help.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, American Express denied me for an open credit plan even though their indenture agreement states that when an applicant applies for credit they shall be granted as long as they exercised their rights with good faith and clean hands. Also I have attached the letters and laws that are being violated in this matter. Also I'm in arbitration with XXXX XXXX XXXX, so im not sure how that company can report something that isn't my account. I explained that American Express, and the issue still have not been corrected. 

Dear Underwriting team, Today I, XXXX XXXX was denied and received an adverse action letter today for an extension of credit by American Express National Bank on XX/XX/2023. I applied for a credit card that I wanted. I have invested in this account with good faith and clean hands. Im here to accept all lines of credit, titles, and interest on this account. I have attached your American Express Indenture agreement where it states that my note is an open-ended credit line and access should be granted. I have also attached your 10-k form that explains in detail about notes and securitization transactions from the Security Exchange Commission website . American Express National bank I ask that you please open my line of credit.

As you may be aware, it is against federal law in accordance with the Equal opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code Sec 1691 ( C ) you assume civil liability pursuant to 15 U.S Code Sec 1691 ( k ).

American Express and American Express National Bank has violated my federally protected consumer rights : 1. 15 U.S Code Sec 1642 2. 15 U.S Code Sec 1681M 3. 12 CFR 1002 Since this letter was sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, and youre criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered security fraud since I have received NO BENEFIT. 


If there are any concerns than you can retract my note that I sent using my social security or to my understanding, we can than start to discuss security fraud. You have 5 business days from the delivery of this letter to resolve this matter. 

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

When I reviewed my credit report, I discovered that some of the accounts are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$16.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$500.00}.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX XXXX XXXXXXXX is not removing this fraudulent account. XXXXXXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I received a mailing stating I may be eligible for a reverse mortgage & called AAG. On XX/XX/XXXX I spoke to a XXXX XXXX & he said he would research it for me. He called me back that day & said I would not be eligible. I thanked him for his time and concluded our call. On XX/XX/XXXX I received a gigantic over night package from XXXX XXXX with AAG with numerous papers to included an agreement pertaining to out agreement for a refinance. I did NOT make any arrangement or agreement with this company. Since they did a credit check on me I already have a ding on my credit & I am suspicious that they are trying to do something to which I did not consent to. Please advise me. 

Thank you so very much, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 Balance : {$420000.00} XXXX XXXX XXXX Balance : {$13000.00}
Product: Debt collection

hello, my name is XXXX XXXX XXXX. i am a XXXX XXXX with XXXX XXXX XXXX 
my XXXX  is presently XXXX XXXX XXXX. at the branch on XXXX XXXX in XXXX tennessee. i work XXXX days a week. yesterday, XXXX XX/XX/XXXX i was blindsided at my XXXX by a gentleman serving me a summons. 
it is for a court hearing on TUESDAY XXXX XX/XX/XXXX, XXXX. could you believe this, less than 30 days. FOR A COURT CASE. no room to breathe or prepare here.. 

details are as follows : : : : GENERAL SESSIONS COURT XXXX XXXX TENNESSEE DOCKET # XXXX CIVIL WARRANT PLAINTIFF XXXX XXXX XXXX ACCT # XXXX BAL {$2100.00} ATTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX it is for an account with XXXX acct was charged off on XXXX XX/XX/XXXX. 
i am unfamiliar with said acct. 

after work, i went home to research my credit reports to look for this debt. 
after thorough searching i found the following results... 
XXXX NOT FOUND XXXX NOT FOUND XXXX NOT FOUND XXXX nothing there
Product: Debt collection

This complaint serves as my final warning before I take drastic legal action against your bureau and all parties involved. Your continuous refusal to acknowledge my legitimate claims is not only negligent but also a blatant violation of my rights under the law. Let me be unequivocal : if you persist in denying my rightful dispute, I will not hesitate to pursue legal action against your bureau and any other entities involved in this gross negligence. I am prepared to take this matter to court and seek significant damages for the distress and harm caused by your willful noncompliance. Here are the accounts I needed to be removed : XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX, XXXX. XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Checking or savings account

I submitted a credit card payment of {$180.00} to be paid to XXXX XXXX on XX/XX/2023 from my Wells Fargo checking account. My ending daily balance was {$720.00} on XX/XX/XXXX. There were sufficient funds to make the payment. When I checked my account on the morning Friday, XX/XX/2023 I saw the payment was pending out of my account. I checked my account later in the day, and the payment had posted to my account. It was not in pending status anymore. I checked my account several times over the weekend because I was waiting for another deposit to become available. Every time I checked my account, that payment was recorded as posted. Today, I received notification from XXXX that my payment had been reversed. I logged into my online account, and there was no record of the transaction anymore. I contacted Wells Fargo to find out where the payment went, and they reversed posted payment overnight on Monday, XX/XX/XXXX, claiming I had insufficient funds for a payment that had already cleared. They also failed to notify me of this. There were SEVERAL transactions made and bills paid after that one transaction. It took longer for the deposit I was waiting on to show up than expected, so I did have to use my overdraft protection from my savings account and my account balance got down to {$22.00}. I monitored the account ALL WEEKEND and all day Monday to make sure there were no issues. On Tuesday XX/XX/2023 is when XXXX received notification that the payment had been reversed and they notified me today, XX/XX/XXXX. Wells Fargo intentionally changed the order of my transactions and reversed a posted payment. I asked if I could have a printout of the transactions in the order they were processed from my local branch. I was informed by the customer service representative that they have a different view from what he has and no records of how these transactions were processed could be provided to me. I opened a formal complaint with Wells Fargo and was told it could take 12 business days to hear anything. Customers, local branches, and customer service should all have the SAME VIEW. This is MY MONEY. The payment should never have been returned because I had sufficient funds. Additionally, per Wells Fargos own policy, I have access to direct deposits immediately. The additional deposit was available in my account on Monday night, but what my online banking shows now is that it wasnt available until Tuesday morning. Regardless, the funds were there. Because Wells Fargo chose to change the order in which my transactions were processed and delay crediting a deposit, they claim I had insufficient funds and returned a payment that cleared on Friday, XX/XX/XXXX and have now cost me additional fees. Wells Fargo should be responsible for reimbursing me those fees since they caused me financial hardship with their shady business practices.
Product: Credit card

On XX/XX/XXXX I requested a balance transfer of {$6300.00} from Bread Rewards Amex credit card company to XXXX XXXX XXXX who was offering 0 % XXXX. I was informed that the transaction was completed and a paper check would be sent within XXXX days to the existing credit card company to pay the balance. The check was returned in XXXX to the sender noting that it was an invalid account number. I called on XX/XX/XXXX to inquire about why I now have two credit cards with the same balance and was told that the check was returned and an electronic submission was needed in order to resubmit the payment. That process would take 5-7 business days. I called back to both financial institutions on XXXX ( XXXX business days ) to inquire about still showing the same balance on both cards and was informed that the electronic wire payment was rejected for an invalid account number ( which I verified with both parties the correct account number is being used to remit the payment ). I called both credit card companies multiple times in an attempt to resolve the issue and was told that I needed to wait another XXXX days for another check to the be sent for the balance transfer to be successful. I explained that they are using the exact same information so the same result would apply, expecting that the payment would be rejected again for an invalid account number. I requested that the process be escalated only to be informed that they can't do that until the lasted payment attempt has been completed. I'm now receiving bills from both credit card companies for payment on the same balance. I need help getting this resolved swiftly and accurately!
Product: Credit reporting or other personal consumer reports

I have a few addresses on my credit report that are not mailable addresses of mine. I do not recognize them and could be possible use of fraud. Please remove these addresses to protect my identity. I also would like my name updated as my identity gets confused with my father and son who all share a version of my name. 

Per 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To enforce my rights, I request Under 15 U.S. Code 6805 Enforcement- subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Product: Debt collection

I got a call from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  claiming I had a debt for a credit card. The Paralegal stated I owed a bank money of around XXXX dollars and then tried to confirm my PII. I did not confirm my PII cause fearing a telephone scam. When I stated I would not answer he said I will take that as a yes. But, the issue is, the PII he quoted was wrong. He started using high pressure tactics of speaking fastly, in a raised voice and speaking over me. Additionally he started using threats that if I didnt pay there would be legal consequences, court summons, legal fees and higher fees to pay. I told him this was a scam and he started telling me I was the scammer and how I defrauded the bank. When I asked for him to send me this alleged debt in writing he said he would not and did not have to. I then called back and asked for a XXXX fearing potential identity theft. I was more guarded, I asked for the Lawyer name, and asked the paralegal supervisor why I couldnt find the lawyer on the XXXX Bar website. She said that didnt matter cause I would shortly be getting a summons, she again asked to verify my PII and I would not answer fearing potential scam. Again the PII she quoted was wrong. She also stated I received a summons at an address I never lived at. She then started speaking over telling me I would face legal action, a summons was on its way, threatening me with attorney fees and higher fees. I told her the info she had PII was wrong and she said it was not. Now thinking this is a scam, I asked her why is she scamming old people after XXXX. She replied your XXXX, the issue is, this isnt me and Im not that age. 

Both paralegals just used high pressure tactics and threats of legal actions with fines court fees, attorney fees and spoke with authority as though they were a judge in a court room. Specific example was if I didnt pay I would face a massive fine. 

I attempted to call Citi Bank, the alleged debt, but was transferred and never got a hold of someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX  Please have the credit bureaus to stop reporting this fraudulent information on my profile. Experian, XXXX, and XXXX are reporting fraudulent information.
Product: Debt collection

XXXX, XXXX OBTAINED A JUDGEMENT FOR XXXX CREDIT CARDS, i have been paying agreed amount for about 6 years and i noticed that they added a XXXX $ fee for every payment made. i still owe about XXXX total on debt, they never informed me from the beginning there would be a fee added. i pay XXXX $ per acct a month
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting on consumer report XX/XX/2016 in the amount of {XXXX} ; {XXXX}. I have notified the bureau of an unauthorized items reporting on my customer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report Agency Is reporting this XXXX XXXX XXXX on my account for XXXX. This account is dated XX/XX/XXXX. It should have been off my credit. And on Experian 's website it said the item was to be reported until XX/XX/XXXX. Yet they reported it XXXX XXXX as a negative report on my credit. And it is still on my credit report. If it is set to fall off my report why would they re-report it. And the fall off date of XX/XX/XXXX. Mysteriously disappeared off of Experians Website. This is illegal this item is way past the date it is supposed to come off. Every other credit bureau. Has removed this item except Experian. And I want them investigated this is illegal. And I want this item removed immediately.
Product: Credit card or prepaid card

I get {$1000.00} deposited on the XXXX of every month. 

XX/XX/2021 - deposit {$1000.00} XXXX- atm withdraw {$200.00} ( authorized ) XXXX- attempted to pay my water bill online and was declined. 
I called direct express to check balance. Which was approximately {$50.00} So I checked transactions. 

XX/XX/2021 - atm withdraw ( UNAUTHORIZED ) {$600.00} @ XXXX XXXX atm withdraw ( UNAUTHORIZED ) {$200.00} @ XXXX AFTER discovering the fraudulent transactions I talk to customer service and file a dispute on both transactions. 

Direct Express mailed me disputed forms ( received forms in mail XX/XX/2021 ) to complete and I was given a fax number ( XXXX ) to return completed paperwork. 
FAXED BACK TO THEM : XX/XX/2021 XXXX- Filed a police report with XXXX police department . 
CASE # XXXX I have tried to call EVERYDAY since XXXX and verify that they received my fax and keep getting transfered then on hold for 2-3 hrs. 
Then hung up on. 

XXXX- received a letter from Direct Express Stating that my disputes were denied and they were authorized. 

NO THEY ARE NOT AUTHORIZED. I CALLED THE BANK THE TRANSACTIONS TOOK PLACE AND WAS TOLD THEY COULD NOT ACCESS THE ATM CAMERA HISTORY??? 
PLEASE HELP! ALL BUT {$200.00} OF MY MONTHLY INCOME WAS TAKEN AND MY BILLS ARE GOING TO COLLECTION
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.