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

I disputed this account several times with no follow up from Wells Fargo with verification. I sent Wells Fargo a letter regarding an account listed on my credit with a balance of {$4300.00}. They sent notice back that they were unable to locate the account they are reporting. I sent the notice to the credit bureaus for removal but they said Wells Fargo verified the account and will not remove. I would like a copy of the contract and verification documents provided to the credit bureaus. if unable to furnish please remove the account as it is not mine. I contacted my ex to see if he placed this account in my name and he said no. I have no records of this account and if he did place this account in my name I will need support docs to pursue him. XXXX advised they don't have a contract on file. But continue to report because Wells Fargovised not to remove. If this is not resolved I will file a FTC complaint next.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines and according to the FCRA law they should be removed. I never once was provided with any physical verification of these accounts. I'm asking to be provided with physical documentation or as it is written via the FCRA law, remove and/or block from my report. False information is hindering me from buying a house. No credit agency shall report information without providing physical documentation. Please remove/ block the following accounts from my report.. 
1 ) XXXX XXXX, {$1200.00} 2 ) XXXX XXXX XXXX, {$350.00} 3 ) XXXX XXXX XXXX, {$130.00} 4 ) XXXX XXXX XXXX, {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of this inquiry
Product: Checking or savings account

I was hired by a company to online I work for them for about 2 weeks. During that time I was sent 3 mobile deposits to my account {$950.00}, {$1000.00}, and {$1000.00}. I have messages from the person I thought was my boss " XXXX XXXX ''. The first two checks came from XXXX Bank, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The last check came from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX claimed they were affiliates of our company. He told me that I needed to send out payment and gift cards to cover computer programs, desk, chair, printer etc ... I did what he said because it wasn't my money. I only sent the money out because the money cleared in my account. I found it strange that these out of state checks cleared my account after only 2 days ( I wasn't protected by my bank at all!!! ) These checks came back fraudulent after 1 week. Now the bank wants me to pay it back to them when they are the reason I am in this mess. I have since spoken to other banks that will not just put money in my account without making absolutely sure that it is not fraudulent!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After receiving my credit report I have noticed many erroneous information reported in my credit report, for example my name in the credit bureaus is misspelled, or incomplete. They are reporting late payments that I do pay on time and continue to pay on time and I even have a good payment history. We already know that all negative accounts are misreported since not even my name is well spelled. I demand that an investigation be opened with my case and these accounts be removed from my credit report.
Product: Checking or savings account

I am on my XXXX rebuttal with chime from when I first filed my claim on XX/XX/year> for fraudulent activity on my account amounting to XXXX. Chime has not investigated my claim in the correct way. A way that violates my rights and regulation E and Z and also the EFTA law. They say they provided me with the documents that helped them come to their determination but all they have sent me a couple times out of the 8 times I re opened the claim is a list of the transactions I am filing the claim for. Not only does that not properly show a valid reasoning on the denial but its also a slap in the face to myself, and truly goes to show that they never investigated anything to begin with My transaction history is nothing that compares to my past history before the fraudulent activity took place. Yet they assume no error has occurred. Chime needs to be held accountable for this ruthless behavior. I demand my provisional credit TODAY. The credit I have rightfully been agreed to be given by some of their own representatives on multiple occasions and then they never issue it. They have continue to delay the process of my claim just so it got past the 60 day mark which they state makes me ineligible for my credit It doesnt work like that. I need my money back or Im going to pursue arbitration the following day from this complaint
Product: Student loan

On XX/XX/year> I made a payment on XXXX of my student loans through EdFinancial. The payments on the XXXX loans that I am having trouble with were listed as 120 day loan cancellation payments. I was sent a receipt and the loans showed on my account as paid on all three loans. The money I paid with also was withdrawn from my bank account. On XX/XX/year>, XXXX of the loans that I had paid the month prior had reappeared, and no money had been refunded to me. Despite paying these loans in XXXX of last year and receiving a receipt from EdFinancial, these loans still show in my account as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Wells Fargo foreclosed on my home after it had lost 50 percent of its value. They would not work with us on refinancing the loan, although they claimed to be. They constantly lost paperwork and changed agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX has accounts on my credit reports that are NOT mine/inaccurate/fraud. 
Accounts : XXXX- not mine please delete.. 
XXXX XXXX  XXXX-not mine please delete XXXX  XXXX-not mine please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that a hard inquiry was done for my credit by capital one on XX/XX/22. I do not have any credit with capital one and did not request anything from them. I contacted them to find out why there was a hard inquiry and what to do and they did not help me and said I didnt have an account.
Product: Vehicle loan or lease

In XX/XX/XXXX orXX/XX/XXXX my car was repossessed. In order to obtain my car, I had to pay all the late fees and bring my account current. Now I am finally able to come to my last payment and Toyota has added {$1500.00} in late fees. After I had my car repossessed, I never missed any payments. I feel that Toyota is attempting to recover late fees that have already been collected. Each time that I would call, they would tell me that there was no late fees and not to worry as they would drop at the end of the loan. This is my first car purchase and I feel they are trying to take advantage of me.
Product: Bank account or service

XXXX XXXX co founder of Rush card has been security has been breached. ... .I have not had access to my bank account for 3 days and my debit card is not deactivate and I ca n't get anyone on their phone. ... on hold for hours ... ..look at rush card XXXX and XXXX to see XXXX of angry customers ... ....
Product: Checking or savings account

Hey guys, on XX/XX/XXXX I got deposited sba relief loan in the amount of XXXX. I got accepted from the sba after all the pending process so I have a current contract with sba to make certain payments every month and I still dont have my funds. So I received my funds to the account so since my account is on Restriction due to the loan. I showed them proof of my loan agreement and contract details and everything and still nothing. They put it on restriction for quite some time now n they decided not to be in relationship with me anymore n close my account but before they close my account they said they have to send the loan back and it might take some time within weeks or months or so and Im still waiting and they havent sent the funds back to the sba and is like I did everything in my power to sort this all out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXXXX/XX/2021
Product: Credit card or prepaid card

For XXXX or so months my personal credit cards with Capital One have been restricted after I applied for a business card. Because the process to apply for the business was so daunting with requirements that dont apply to my business, I closed the account/application process. 

However, Capital One refuses to remove restrictions even though I continue to pay them off. The account managers is different departments also refuse to call back. I can only reach out of country staff.
Product: Debt collection

This company started calling me about 6 months ago and has progressed to the point where they now call me every day. They also call my parents home several times a week. They leave threatening and harassing messages claiming that there have been several cases of fraudulent activity attached to my social security number. They state that they will be filing XXXX charges in my county against me but that if I call them within 24 hours, that we can resolve the matter. 
I have called this company back at the number they leave on more than XXXX occasions and have spoken with individuals who claim they attorneys working for a bank. I discovered that they are trying to collect on a debt that I had more than 10 years ago with a bank who had issued me a credit card. I had filed a chapter XXXX bankruptcy in 2009 in which this debt was included. I have all of the paperwork from my attorneys and the Court which clearly show this debt and also show that the information was sent to the bank. I have told the individuals from this company that I had filed bankruptcy and this debt was included. I have given them my bankruptcy attorneys contact information and have told them that it is illegal to contact me about this " debt '' and that they were harassing me and attempting to defraud me by making and repeatedly leaving messages regarding false claims against me. I have told them this over XXXX times that I have spoken with them. Since then, I have over XXXX recordings of messages from them. They are calling me every single day, sometimes multiple times a day and they continue to harass my parents as well. I have n't lived with my parents in over 35 years and why they continue to call them can only be for nefarious purposes. My parents have spoken with individuals from this company and have told them that I dont live there and asked them to please stop calling and harassing them to no avail.
Product: Checking or savings account

I had over {$700.00} in unauthorized transactions on my account. I disputed them. On the 10th business day, when I was inquiring where my provisional credit was and why it had not been placed into my account yet, my account was closed without my knowledge and no type of communication at all was sent to me explaining why we're letting me know that was happening. I was expecting that provisional credit and now it is caused a hardship for myself and my family and I have unable to pay bills that needed to be paid. This company owes me over {$700.00} and I want my money and I also want to be compensated for the additional fees and charges that I will be assessed for bills being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST TO CEASE AND DESIST ALL THEFT BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX KY XXXX Dear XXXX XXXX XXXX XXXX : We regret to inform you that your employment with Title Company XXXX XXXX XXXX is being terminated, effective XX/XX/XXXX. 

You are being terminated for violation not limited to reasons of Perjury, Slander, Harassment, Insults, Briberies, Theft, Commercial Espionage, and Poor Performance. You Freely Entered Into A Signed Written Contract Between XXXX XXXX  XXXX And The Title Coordinator Regarding A Non-Compete Agreement On XX/XX/XXXX, At The Time You Accepted Employment With The Department XXXX XXXX This Agreement Stipulated That You Not Solicit For A Period Of 1 Year Independently Or Through A Competitor Of Minority/Woman- Owned Businesses Enterprises Within The 50 States Of America. More Specifically, Your Non Disclosure Agreement States That You Will Refrain From Any Direct Or Indirect Perjury/Slander to obtain Contact With Current Employers, Vendors, Consumers Or Any Other Individual Entity Maintaining A Contractual Relationship With XXXX  Business Management That Develops, Manufactures, Markets, Distributes And/or Sells Any Products/services Provided By Or For XXXX  XXXX XXXX. It Has Come To My Attention That You Are Now Working With A Competitor Of The Defendant And Have Been Soliciting Stolen Goods/Services From Consumers And/or Business Corporate Owners Of The Respondent ( s ). As You Are Aware, Soliciting Stolen Goods Or Services Of The Respondent ( s ) by way of perjury, grand theft, survivor fraud Is A State Felon Offense And A Direct Violation Of Employment You Agreed On XX/XX/XXXX, Thus You Are Interfering With The Arrangements Established Between The Surviving Defendant ( s ) And Its Customers Market and Commercial Affiliations. In Addition, Your Current Employer, XXXX XXXX XXXX, Is Also Interfering With The Agreements Set Forth And Established By The Department XXXX XXXX. You Are Hereby Requested To Cease And Desist Any Further Solicitation Of Currency of Employer by Aggravated Theft of Wage Details, Employment Fraud, Power of Attorney, Social Security Fraud, Bank Fraud, Securities Fraud, Applicants, Employees, Vendors, Customers Or Any Other Individual Entity Maintaining A Safe Working Relationship With Public Works. Failure To Comply Will Result In The Obtainment Of A Writ of Execution Order In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX  XXXX XXXX regarding their handling of account XXXX, which I believe to be fraudulent. Despite my efforts to rectify this matter, XXXX XXXX XXXX has continued to engage in unethical practices, violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

Summary : Item I agreed to purchase was never recieved. Visa/Chase is requesting that I break the law ( 18 U.S. Code 2320 Section 2 ) in order to secure a refund. I also can NOT be billed for merchandise I never agreed to purchase. 

More info : Purchased item from XXXX XXXX. Item was not delivered. They sent something completely different than what I ordered and later turned out to be counterfeit. After failing to resolve the situation with the merchant who refused an exchange or refund by the letter of the law, I initiated a chargeback. Case XXXX with Chase Bank. 

I have been informed that because the merchant did not get the item they sent me back, that the dispute center will not refund me. This goes against the FAIR CREDIT AND BILLING ACT. Specifically : 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For  the purpose of this section, a billing error consists of any of the following : ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 

No where in the FCBA does it state that I am obligate to return items that exist outside the purchase agreement in order to qualify for a refund. The counterfeit item is not what I ordered or agreed to purchase. It exists outside the purchase agreement between myself and XXXX. 

Also, shipping a counterfeit item to return it is ILLEGAL ( 18 U.S. Code 2320 Section 2 ). Visa/Chase/XXXX can not compell a person to break the law in order to secure a refund. 

I am due a refund in full because I did not get the item that I ordered. It is a billing error. Visa/Chase 's obligation is simply to determine whether I got the goods or services I agreed to buy, and if not ( billing error ), issue a refund.
Product: Debt collection

XX/XX/XXXX Complaint of Harassment Managing Authority XXXX RE : Breach of THE FAIR DEBT COLLECTION PRACTICES ACT On XX/XX/XXXX my son,, was a patient in XXXX XXXXl XXXX in the ER department. His insurance at the time was XXXX XXXX XXXX The healthcare provider did not submit the claim in a timely fashion as per their agreement with XXXX XXXX and as a result I was personally billed {$710.00} instead of being fully covered as part of my Emergency Room copay. 
I notified XXXX on numerous occasion of the situation and also filed an appeal with XXXX XXXX so that they would pay the claim although it was NOT my responsibility for the negligence of the Dr 's office billing department. 
I have received over 10 letters demanding payment from XXXX including more recent attempts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I have also received harassing phone calls on a frequent basis. 
In XX/XX/XXXX, after repeatedly informing XXXX   representative on the phone that the full amount of {$710.00} was being processed by XXXX XXXX in an appeal, she threatened me that if I would not make a payment immediately, that my file would be in full collections and my credit would suffer. She stated that the only way to stop the lowering my credit would be to pay now. I made a payment of {$25.00} to stall the demise of my credit score. 
At that time, I was in a strained financial situation but I was pressured to lay out a sum of money in good faith. However, this payment did not stop the biweekly intimidating phone calls and letters. I explained the situation to XXXX when I received the latest hostile phone call on XX/XX/XXXX again, reiterated that I was actually owed back the {$25.00} paid because XXXX XXXX was paying the full {$710.00}. The representative said that I was going to be placed in aggressive collections and it will affect my credit. They said its not their responsibility to check if the debt is valid. This tactic of pressuring and misrepresentation of facts is blackmail and harassment. I have repeatedly written to XXXX and spoken to them as well as XXXX XXXX medical office. Instead of waiting for the claim to be processed by XXXX XXXX, which is out of my hands, they are trying to bait and blackmail time with pressure and threats. Please be advised that I will be making a formal complaint to the Consumer Financial Protection Bureau. I This claim is in the process of being paid by XXXX XXXX XXXX XXXX and is therefore, not my patient responsibility. The reason for the delay is the error in billing and oversight by XXXX XXXX XXXX office, not my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Experian and XXXX XXXX ( original creditor XXXX XXXX account # XXXX ) a followup letter regarding an alleged debt collection on my credit report by the company " XXXX XXXX ''. Experian has responded to my verification letters sent on the the aforementioned dates above. Experian has sent me a letter dated XXXX stating that the collection account has been DELETED but the account still remains on my credit profile. The account numbers shown on the letter sent from Experian are different from the account number shown on my actual credit profile. It has now been over 30 days since the original dispute on XX/XX/XXXX. They are in violation of my rights under the " Fair Credit Act '', for not removing inaccurate information off my account of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Experian and the creditor, XXXX XXXX, for their failure to remove the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my Experian credit report.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has an error bankruptcy listed on my credit report. I do NOT have a bankruptcy or any bankruptcy accounts.