23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Title : Forced to Deposit Checks and Lost Funds Due to Fraud Description : Last year, I was forced by someone l barely know to deposit two checks into my bank account. The checks were for {$3600.00} and {$800.00}. This person threatened me, saying if I didn't help them, they would cause trouble for my friends. Out of fear, I reluctantly deposited the checks and gave them the cash.

At the time, I didn't know the checks could be fake, and I didn't want to get involved, but I felt I had no choice. I received no benefit from this transaction and only followed their instructions because I was scared. 
Recently, I found out these two checks were returned, and my account was charged a total of {$4400.00}. This was not my fault, and I was a victim of their threats and fraud. I have contacted my bank to file a claim, but I am seeking additional assistance to resolve this issue and recover the funds Dates and Amounts : Date of Deposit : ( XX/XX/XXXX and other one i don't know ) Date of Return : ( XX/XX/XXXX XXXX ) Total Amount : {$3600.00} and {$800.00} Actions Taken : I have reported the incident to my bank and filed a claim, which is currently under review.

I am requesting further assistance to address this loss, which was caused by someone else 's coercion and deceit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX has violated my rights.

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 an account without my written instructions
Product: Checking or savings account

somebody got ahold of my phone and went on XXXX  and sent them money to themselves and messed my account up and i told my bank and they dont believe me and making me pay XXXX to this third party agency they keep calling me in the morning while im at work and this account was deleted and added back on to my credit report and it hurting my report from taking it off and putting it back on i dont want this on my credit report if you cant proof to me this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to request the removal of a fraud inquiry done on my credit report Below are the details of the account in question : { XXXX } INQUIRY : XXXX  XXXX XXXX XXXX DATE XX/XX/XXXX RESOLUTION : NEEDS TO BE REMOVED { XXXX } Account Number : XXXX Creditor Name : XXXX Status : Balance is wrong, the correct balance is {$790.00} { XXXX } Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Charge-Off : XX/XX/XXXX RESOLUTION : NEEDS TO BE REMOVED { XXXX } Account Number : XXXX Creditor Name : XXXX  Date of Charge-Off : XX/XX/XXXX RESOLUTION : NEEDS TO BE REMOVED { XXXX } Account Number : XXXX Creditor Name : XXXX XXXX XXXX Status : Collection ( needs to be removed ) { XXXX } Account Number : XXXX Creditor Name : XXXX  XXXX XXXX  Status : Collection ( needs to be removed ) ACCORDING TO 15 U.S. Code 1692c YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS, PLEASE REMOVE THIS COLLECTION OFF MY CREDIT REPORT. 
THANK YOU
Product: Credit reporting or other personal consumer reports

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

Account Name : Unknown Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

I tried online and in writing to remove fraud alert and XXXX, Equifax and XXXX will not remove them. Im unable to obtain certain security government clearance for jobs.
Product: Debt collection

This is a continuation of two prior complaints I have filed against XXXX XXXX XXXX XXXX. The two prior complaints are XXXX and XXXX. Both of these complaints were closed because, according to XXXX XXXX XXXX, they " could not identify who has submitted this complaint ''. XXXX XXXX XXXX - here are YOUR REFERNCE numbers of accounts in YOUR computer systems, which YOU gave to ME. These should suffice to identify me as these are literally the reference/account numbers YOU ASSIGNED TO ME - # XXXX and # XXXX. I am not going to give any personal information over this platform, especially when these accounts are for a MINOR. You can look me/the minors account with those two reference numbers as they are YOURS, as noted in the letters YOU mailed to me. XXXX XXXX XXXX ( XXXX ) is a scam company attempting to collect debt that is not owed and/or time barred. XXXX works with Pendrick Capital Partners, LLC as their unlawful " debt collectors ''. Pendrick Capital Partners purchases medical and billing information from XXXX XXXX XXXX. XXXX XXXX XXXX sells their patient's/client 's personally identifiable information without written consent from the patient/client. XXXX XXXX XXXX has been mailed, by me a dispute letter disputing these unlawful and DEBTS NOT OWED. I have also included a CEASE AND DESIST all communications from XXXX XXXX XXXX to me. I do not owe you anything. I have called XXXX XXXX XXXX and inquired about these alleged debts. They have on all occasions on a recorded line stated that they have forwarded any unpaid medical debts under my or my son to Pendrick Capital Partners and they even went so far as to deny knowing who XXXX even is. Leave me alone, XXXX XXXX XXXX. Stop your unlawful debt collection practices. I do not owe you or anyone ANYTHING. I have reached out to an attorney for help as well my state 's Attorney General. You are a scam company. Get real jobs and stop preying on innocent consumers. Thanks.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which talls under XXXX  according to XXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- 1002.142 ( b ) ( 7 ). |have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/year> -- $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I have a charge on my account that I have been disputing since XXXX on 2022 and the CC company has done nothing to rectify this issue. I have sent them all the information and still nothing. I have been waiting for a supervisor that they keep promising me they will call me and nobody ever does. This has affected my credit score and I have had to put my purchases on hold because of it. I have filed a complaint withing the company and still nothing. I have made numerous calls to this CC company trying to get this fixed and taken notes every time I speak with a rep. I really need to get this fraudulent charge fixed and removed from my account. The company even went as far as decreasing my limit when I made the complaint against them and then apologized a month later to reinstate it back to the original credit limit because they were wrong but they still have not fixed the original issue. 

This company has still not bothered to reach out to me to get this issue fixed. They have not requested anything and this is affecting my credit score. This has been on going since XX/XX/2022 when it first started. They responded before the 15 days claiming they are still in the process of working on it. I have already submitted all screenshots of how many times I have tried to get this resolved in that time frame. This should not be in process for nearly 7 months after I have already sent them all the info they needed. I will be now filing a complaint with the XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hello Happy Money, I come in good faith. I do not have any debt belonging to XXXXappy Money. I have requested to remove Happy Money ( Charge Off ) completely off of my credit report with all the credit bureaus ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX  and all other credit bureaus as the next step will be a cease and desist. I have certified documentation from the Secretary of State showing all liens and debts that I have. HAPPY MONEY is not listed as I owe no debt to HAPPY MONEY and XXXX  is inaccurate. Please remove this negative derogatory inaccurate data off of my reports and all XXXX  history totally removed from my credit profile. I have run reports for every address I have lived, and it is showing no results of debt that I am responsible for. I will follow back up in 10-15 days for the updated accounts to reflect accurately.
Product: Credit reporting or other personal consumer reports

They keep adding a balance to my account which is charged off. I have already filed multiple complaints with them and with you guys as well I have screenshots where it's getting worse bc they keep adding stuff fraudently and are refusing to fix it ... been dealing with issue since XXXX of this year
Product: Student loan

I was on a payment plan of XXXX. They recently finished the plan and the payment went up to XXXX. I tried to tell them that I couldn't afford that at this time but I could continue paying the XXXX. My credit isn't good enough to refinance the loan and they weren't willing to work with me. So I pay the XXXX and now they've reported me as delinquent.
Product: Credit reporting

I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all three reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX Credit through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

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

I have disputed XXXX XXXX-XXXX charge ( which was posted as a collections account on XX/XX/2019 ) on my report for XXXX with Transunion and XXXX. With Transunion on XX/XX/2019, XX/XX/2019, and XX/XX/2019 and they have refused to help me remove a fradulent debt account on my report. I informed that I did not receive the services for this hospital visit and the charges are not correct, I have tried to work with the merchant but the merchant has refused to accept the dispute and report it to credit agency. the account was closed and this debt is not valid, thus it should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute a account with petal/we bank and it was denied by Experian within days and this account is not open its closed and Im not interested of keeping this account open due to tons of interest and high annual fees and there dispute process takes too long .. Im asking this company to report my account as closed status XXXX Petal 1 rise
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get my credit file corrected. Equifax is taking less than 2 hours to "  investigate '' the inaccuracies. One example is a Chapter XXXX bankruptcy with inaccurate information within it. I received the result of there " investigation '' 1hour and 30 min after submitting the dispute. Equifax has received many disputes this year from me and has a record. I want a copy of what they sent to the creditor and a copy of the responding parties response.
Product: Credit card or prepaid card

While I was away on a business trip out of the country, TD Bank Customer service gave access to my account to an unauthorized user. TD Bank sent me a letter acknowledging the account takeover was their responsibility, said I am NOT liable for any of the fraudlent charges, and would be restoring my credit account -- including credit limit and all other card perks. 

I have yet to receive my new card or account despite receiving the attached letter.
Product: Credit card

I was looking at the information on kickoff and was debating whether or not to use it ... .I never finished the application. They are now saying I'm delinquent and my credit score is impacted. I filed a dispute but it was denied. I want justice!
Product: Bank account or service

On XX/XX/2016, I was in XXXX Louisiana and had my debit card stolen along with my cell phone. My banking institution is JP Morgan CHASE. Because I " did not '' have my phone with me I was unable to call the " Chase customer claims department '' XXXX and report that my card was stolen. On XX/XX/XXXX I returned from XXXX back home I attempted to log on to my bank account and find that the funds that were in my business checking account word depleted in the amount was {$11000.00}. I proceeded to call " Chase customer claims '' to report the fraudulent activity. I was advised to submit a claim to their fraud department and also fill out an affidavit regarding the fraudulent charges. I was also advised to reach out to the merchants who received the fraudulent charges and the primary merchant was XXXX. Based on recommendations from chase I was told to file a claim with XXXX as well as file a police report which I did and sent back the information to the chase customer claims department. After submitting all the requested information I was told by " Chase customer claims '' that the claim was denied based on inaccurate information. I asked what " inaccurate information '' means and what could I do to help have this fixed. I was told that they could not tell me that information, and that my best option was to have the claim " resubmitted '' for a second look by upper-level management. After waiting the standard 2 day reply from " Chase customer claims department ''. The claim was denied once again. 
Because the funds were in a business checking account and ultimately belong to another firm. We needed to take action immediately to resolve this issue. We were told time and time again to resubmit the claim to " Chase customer claims department '' to get the same results time and time again. Submit the claim t " '' Chase customer claims department " and after two days receive a denial letter. This is become extremely frustrating because we have gone above and beyond what we are required to do as a consumer from this banking institution. Including filing a report with merchants and getting a police report generated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company does an automatic payment through my account whether it is for the full amount or a lesser amount every month. They have reported my account 3 month past due. If they are taking my money they need to remove the late payment reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inaccurately reporting that I agreed to a one month term with them which I did not. Despite that they have and continue to report on my credit reports that a one month term exist. I have done plenty of research and know according to the fcra, everything is to be reporting completely accurate in it's reporting.
Product: Credit reporting or other personal consumer reports

I have submitted disputes for XXXX XXXX  credit card that has been closed and charged off 7 years ago. The last payment activity was in XX/XX/XXXX. However, this company has not once provided me any proof of owing the money, besides when I asked for balance history and dates, they have not provided anything. Instead they continue to report that the balance is owed every month and they have re-aged the account started XX/XX/XXXX which is against the regulations of FCRA and this has caused my credit score to drop. I have sent them multiple notices to no avail. They are unavailable via phone or fax. They have only a XXXX XXXX XXXX to contact and it is super difficult to get in touch with anyone at this fraudulent company. They give trouble to all their customers as can be seen in every XXXX review out there. I have sent them notices via all XXXX credit agencies and get no response, instead they update the file and dates and keep reporting the wrong information. They are beyond the age of the debt in the state of NY and need to remove it immediately.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/19 I sent an email to XXXX demanding that my Wells Fargo Propel American Express credit card be closed at my request and that any further communications with me be in writing. They have arrogantly refused to do so. I believe their actions represent a general pattern with other account holders. They emailed me an acknowledgment on XX/XX/19. They emailed me a demand on XX/XX/19 that I download an XXXX application called XXXX in order to communicate. I attempted to do so. The app is not functional with my XXXX XXXX. I so notified them on XX/XX/19. I then received a Wells Fargo letter demanding that I either communicate with them by phone ( see my previous in writing only instructions to them ) or mail them a NOTARIZED demand to close the account. To date they have illegally failed to promptly close the account based upon my original demand. I can provide copies of all emails and their letter. Please contact and sanction them and require that they follow the law. Thank you.
Product: Mortgage

I have written to Statebridge Compnay at least four times pointing out that they are inaccurately reporting late payment and past due information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing that they are reporting XXXX pays due on the payment status line and in the 24 month pay history ( XXXX days past due on XXXX. ) Additionally, you can see that they are also reporting different past amounts. This can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX account number XXXX has violated my rights 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.