23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was selling a truck on XXXX. A buyer emailed me to say he wanted the truck. I was selling the truck for {$1800.00}. He said he was going to send me a cashier 's check for {$3300.00} because he was in another state and he wanted me to send money to his car mover who would come with a trailer and pick up the truck. I took the cashiers check to my bank, Wells Fargo. I told the teller I was suspicious of the check and that I would like a manager to look at it and tell me whether it was legitimate. XXXX XXXX XXXX, the service manager of the branch, came out and looked at the check and said, " It looks good to me, I do n't see any telltale signs of it being fraudulent. '' She also said, " once the money posts to your account, the money is yours and you can spend it. '' She told me I could also send it off to someone to check it for validity, but I told her that if she said it was good I trusted her. She said it was. I deposited the check that day. XXXX XXXX then told me that, since this was a Friday, if the money posted to my account on Monday then go ahead and spend it. I waited the weekend and the money posted to my account. I sent {$1400.00} of the money to the address the buyer provided in New York.I first used my portion to buy food. I then began paying off debts. I bought some clothes, and put some gas in my car. The next day the buyer emailed me again saying that his uncle was sick and that he needed the rest of the money back and that I could keep the truck. At that point it seemed to me that it had to be a scam and I immediately called the bank. The bank told me that they had decided it was fraudulent and they had taken all of the money in my account to begin to pay off the fraudulent check. There was approximately {$700.00} of the truck money remaining in the account. They took that. On XXXX XXXX, 2016, my Social Security payment was direct deposited into the account and they took it. I went to Legal Aid and they called the bank. XXXX XXXX admitted to my attorney that she had told me all that I stated above. She did this both on the phone and in emails. She lied and said that she asked me whether I was supposed to send money somewhere. She never asked me that. I would never have used that check without XXXX XXXX 's approval. But for her telling me to go ahead this mess would never have happened. My attorney called the bank because they are still pursuing me for the rest of the money. I told the bank that I thought the right thing for them to do was to write off the loss and let me close the account. They have refused to do so. Wells Fargo preyed on me and now they are continuing to do so. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX ( XXXX ) XXXX XXXX XXXX Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I ( XXXX XXXX ) is writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal actions.

I demand the following collections entries to be deleted : XXXX. XXXX XXXX XXXX Acct. : XXXX Opened : XXXX XXXX, XXXX XXXX XXXX Acct XXXX : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Acct. : XXXX Opened : XX/XX/XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 10-15 days of the receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

My car was totaled loss. After insurance settled we had to pay the remaining balance which we did within the timeframe that Capitol One gave us. After checking my credit report, I see that Capital One has a charge off on the account and paid. Every month before the month of the charge off was in an " OK '' status until XX/XX/XXXX. XX/XX/XXXX it was " OK '', XX/XX/XXXX it was " OK '' ; XX/XX/XXXX is was " OK '', and in XX/XX/XXXX it was Charge off. By their own records, we were never delinquent. How does an account go from the month before as " OK '' status and the next month a charge off. Especially during these times of a pandemic, a company rushes to ruin the credit of suffering people, what a horrible example of integrity and yet the U.S. wants us to believe " We're all in this together. '' To add insult to injury, all correspondence and the paid off letter was directed to XXXX XXXX, my daughter, and XXXX was the co-signer on the loan. Capital One never sent me any correspondence with my name, XXXX XXXX, on it. I was the primary signature of the loan. 

Definition of Charge Off : If you fail to make minimum payments on your credit for 180 days, your credit company will consider your debt a loss asset, or an asset that is uncollectible and considered a bad debt. 

I've tried to reach Capital One repeatedly. Phone records to verify. If I transacted business the way that they have, I would be in hiding too. 

The letter attached states that the debt was paid in full XX/XX/XXXX. The loan was paid off on XX/XX/XXXX online but it takes 2-3 business days for the transaction to be complete, hence their XX/XX/XXXX transaction timeline. 

I apologize for the personal comments but this is a sorry state of affairs.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

REMOVE XXXXXXXX XXXX XXXX  - FRAUDULENT COLLECTION This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under CPLR.

8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, Equifax and XXXX XXXX respectively. 

ORIGINAL CREDITOR XXXX XXXX {$450.00}
Product: Credit card or prepaid card

I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus refuse to remove the following derogatory remarks after they have been unsuccessful at verifying any of the below. They defy all of the Credit Reporting laws and continue to defame my character as they have experienced data breaches which have compromised my privacy and security. I have just about had it with all that's going on with these bureaus and was advised to reach out to you all prior to litigation. Furthermore the newer law regarding credit laws, The Comprehensive Credit Act of 2020 section 401 specifically states that no items on my credit report for which no agreement / contract has been provided should at all show up on my credit report. However, the bureaus refuse to do anything regarding complying with these laws as well. I've had it and was advised to reach out to you all prior to litigation. 

XXXX  unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX Equifax Collection : Breaks Hippa laws, not mine, no contract, ( ILLEGAL DATA ) falsely reporting about me : XXXX XXXX {$170.00}. I've never entered into agreement with these folks, who are they? Is the data breach what caused this issue? 

XXXX, unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX, XXXX  XXXX, XXXX XXXX. There are late payments also reporting for which I've required proof to be shown to me as I do not have on my end anywhere that I paid late for two accounts listed as XXXX XXXX XXXX whether the account was either opened or closed. I had been adamant about providing on time payments. This is a violation of my character which defames me.
Product: Money transfer, virtual currency, or money service

Beginning, XX/XX/XXXX, a Woman who says her name is XXXX XXXX, claimed to have a company called XXXX. The websites are still up and she claims to sell Luxury Designer Brands. After a lot of manipulation and storytelling, I was invoiced for my first order. Her only means of payment was through the app called Transferwise or XXXX. Well, after a month, and placing several orders of which 4 of my friends committed to because they trusted me. It turned out to be a HUGE fraud scam and I've been desperate to get Transferwise to help. They refused, time and time again. My credit union/bank said they couldn't do anything, they've even dropped the ball on two chargebacks where I used my debit card and can file it for items not received. XXXX was the only ones who showed some sort of decency so far and told me that XXXX XXXX XXXX XXXX should have done that first! Now, we are talking 18 days since I figured out this terrible person 's scheme and started this beg for money back. Worse, I've been accused of scamming and fraud until someone finally hears this crazy story. On, XX/XX/19, I called ( while standing in the managers office of XXXX XXXX -- per her request ) asking transferwise to send the money back to my bank but they said it was too late, it had released to the scammer that morning. They also stated that they do not get involved with disputes between buyers and merchants and users. After relentless emails, they asked me for information and I haven't heard anything since. To make matters worse, the woman closed my account and little did I know, you can't review your transaction history if it's closed. I'm being held liable for {$10000.00} of my friends money ( whom paid me through XXXX ) and trusted me since they didn't have Transferwise ( I only got it for this sole purpose! ). XXXX XXXX, the scam artist, received payments for 5 invoices through Transferwise ( of which pulled from my XXXX XXXX XXXX XXXX Checking account ) totaling, {$10000.00}. The total stolen to include XXXX transfers to her XXXX account is over {$14000.00}. Which is more than I originally thought! I've filed a police report, I've hounded XXXX XXXX, XXXX, and Transferwise. I've submitted it to the ic3.gov and other organizations. I've had my friends post about the scam on social media to hopefully protect others, but I'm desperate over here!! I've gotten no justice, no help and I don't have this kind of money. My friends banks didn't blink an eye to help them file chargebacks ( which they totally should since they didn't get any items ), however it looks like I'm the one with the most to lose and no one will do anything for me. Please help!
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I have been unable to access my verified XXXX account since XX/XX/21. I have emailed the company repeatedly, which has no phone number or other way to contact them at provide assistance. The company has my account balance held hostage and will not respond to my inquiries. My account is also linked to my banking so I fear other financials are now at risk. I need access to my account so I can pull all my funds from this brokerage and never using them again. You can not take peoples money and not allow them access to it. This experience honestly feels like theft I have no access to my money and there is no customer service. I can not sleep and am suffering a great deal of distress. my email is XXXX which is link to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments for the year of XXXX, XXXX and XXXX are being reported on my account inaccurately. The company has not provided evidence to prove the payments were late. On XX/XX/XXXX in response to complaint XXXX the company submitted a word document of a payment history that doesn't have any of my information on it, this document is not a valid document as I do not know if the payment history submitted is mine. The word document doesn't have any of my information on it including personal information, car information or payment details. The response that was submitted on XX/XX/XXXX isn't valid as XXXX XXXX has not proven any late payments, however they're reporting late payments to all of the credit agencies which is negatively impacting me and my credit score. I would be honest in XXXX and XX/XX/XXXX I was late due to not working so I can take care of my mom who was battling stage XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX is reporting that I have debt and collections with them when thats absolutely incorrect. I spoke to the collection agency and told them its incorrect and they should contact XXXX. I also spoke to XXXX and they stated it was a billing error and I also reach out to Experian and its still on my credit report affecting my score and hurt me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023 
The hard inquiries submitted onXX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.
Product: Credit reporting or other personal consumer reports

I saw my credit report this morning and once again was disappointed. There are inaccurate accounts that keep showing up. Please check the documents I've sent regarding this matter.
Product: Student loan

Deceptive methods to get the loan processed predatory lending deceptive fraudulent institutions.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An account was submitted as a collection on my personal credit report. I do not recognize the debt and disputed it with the credit bureau in XX/XX/2024. I requested that the debt be validated with signed contracts and a detailed description of the origin of the debt and what the debt was for. I did not receive any of this verification. The credit bureau simply replied the debt is valid without any evidence of the validity of the debt. This has been the case with Experian on several occasions. Debt shows up on my report that I do not recognize and there is no acknowledgement of my request for information that identifies and verifies the collection. I don't believe it is legal to just allow collections of unknown origin to be placed on a consumers credit report. I would like detailed information regarding all information on my credit report to identify its origin. If the information can not be verified, and the verified information be shared with me the consumer, the collection reported should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out I was a victim of theXX/XX/XXXX data breach so I sent letters to the bureaus last summer asking them to remove all of the inaccurate accounts off my credit report. Fast forward months later and nothing was done so I sent another letter certified mail to them but still no response. Now I'm asking you all to do whatever you have to do to force them to remove all of these inaccurate accounts. I sent the last letter in XXXX so it's been well over 30 days and I feel like they're taking advantage of me. Maybe you all can fine them or something and force them to remove these items because it's ridiculous for them to keep reporting information that I've already told them is inaccurate
Product: Checking or savings account

Bank accounts were opened in my name and money was being transferred to foreign countries.