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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. I've proactively remembered this report from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I've tried multiple times to have an account on my credit report that doesn't belong to me deleted. My request was ignored despite the fact that I had provided all necessary details. The account will no longer be investigated, I was told. Due to identity fraud, the account is no longer shown on other reports and has been removed.
Product: Debt collection

We started receiving calls from Firstsource ADV XXXX XXXX XXXX last summer about debt collection for someone else. I called back on XXXX XXXX, 2015. I told him that they have the wrong number and they were reaching the XXXX residence. In other words, they were calling the wrong person. We were rudely asked " what phone number do you want me to remove '' and we told him. He refused to take the case number ( XXXX ). However they still are calling us, and just called this morning, XXXX XXXX, 2015. We want this to stop!
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX BTC from my Bitcoin of America account to the fraudulent investment firm.
Product: Debt collection

I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized XXXX & XXXX reporting damaging information to my name.
Product: Payday loan, title loan, or personal loan

I was contacting two days ago by some type of debt collector law firm and they're claiming to be some type of law firm for some type of payday loan company that's stating that I received a loan in the amount I think it said {$850.00} from them and that I never made a payment on it I have never gotten a loan in my life I do not have any credit whatsoever nobody would give me a loan if I tried but this is a payday loan and payday loans are illegal and North Carolina the state I live in so it's not even a possibility that I could have ever gotten this loan I had applied for some loans a few months back online none of them worked out I was not approved for any of them approved for any of them and this debt collector is very rude and I have told them the situation that I do not know what they're talking about I don't even know who this company is at the speaking of some kind of cash advance company and he is stating that I have got assigned contract with these people which I do not and he is threatening me on a daily basis over this and I want this taken care of I want my name taken off of whatever it is that they've got it on here is a quite from the email of who they say they are representing. 
Note : This notice is provided to you on behalf of ACE Ace Cash Express. And its parent company, and their respective family of companies including XXXX XXXX, its parent company, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates ... ... here is the email in which I am being contacted from ... XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

I applied 4 times with American Express they keep denying after me working to bring my credit score up everytime I get the run around or hung up. I did some research and found out they trading our information on the stock exchange profiting up to XXXX XXXX sometimes off 1 app there reporting to Sec that I'm giving them permission to do this witch is a lie I called them back and told I'm an investor in they company so why don't I have 1 card the rep told me I didn't have 1 app on file witch I have proof dating back to XXXX
Product: Money transfer, virtual currency, or money service

Helllo, I attempted to transfer money ( {$1600.00} ) from my PayPal account to my checking account on XX/XX/2019. However, I inadvertently sent it to a XXXX checking account I do not have access to. It's an active account but I am no longer listed as a user on the account and haven't been for over a year. When I realized the mistake I contacted PayPal ; the representative said that because the transfer was accepted by XXXX that I'd need to call XXXX to fix it on their end. So, I contacted XXXX. The XXXX representative said that because I do not have access to the checking account, there's nothing XXXX can do and it would need to be resolved with PayPal. 

I contacted both PayPal and XXXX additional times to relay what the other institution told me, without luck any time. Ive filed claims ( denied by PayPal, determined that it wasnt actually unauthorized activity ) and sent messages but both insist that it must be handled with the other institution. I also contacted the CFPB by phone but the representative said the only thing she could find was to contact PayPal, which of course, I've already done. 

The money didn't go to the intended recipient and I just want it to go back to originating account. I'm stuck and havent been able to find any potential resolution to recover the money.
Product: Checking or savings account

I am writing to formally request your assistance in resolving a matter involving fraudulent charges on my Wells Fargo debit card and the bank 's failure to adequately address my claims. 

On XX/XX/scrub> 2024, I noticed XXXX unauthorized transactions on my Wells Fargo debit card, totaling {$4900.00}. I immediately reported these charges to Wells Fargo and submitted a claim for reimbursement. Unfortunately, my initial claim was denied without sufficient explanation. 

On XXXX XXXX, 2024, I re-filed my claim, but upon following up on XX/XX/XXXX, I was informed that the claim had not been processed. I resubmitted the claim on the same day, and on XX/XX/XXXX, I received an email confirming that case number XXXX had been submitted and would require XXXX  days for investigation. 

Despite these assurances, when I called Wells Fargo on XX/XX/XXXX, I was told that the charges were deemed legitimate. I was advised to contact XXXX, the debit card issuer, but they informed me that Wells Fargo was the decision-maker. In an attempt to escalate the matter, I contacted my branch banker on XX/XX/XXXX, who promised that the case would be reviewed by the XXXX team. However, on XX/XX/XXXX, I received a response once again stating that the charges were legitimate, now referencing claim number XXXX. 

Throughout this process, I have repeatedly requested supporting documentation for Wells Fargo 's determination, but have received nothing. On XX/XX/XXXX, I contacted Wells Fargo again to express my concerns, and on XX/XX/XXXX, I received an email indicating that the case is still under review, now referenced under claim number XXXX. 

It has been XXXX  days since I first reported these fraudulent charges, and I am no closer to resolving this issue. The lack of transparency and the repeated denial of my claims, despite clear evidence of fraud, is both frustrating and unacceptable. 
I am seeking your intervention to expedite the resolution of this matter and to ensure that I am reimbursed for the fraudulent charges. Additionally, I request that Wells Fargo provide all documentation related to their investigation and decisions. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue.
Product: Student loan

My student loan payments were marked as payment returned by bank, a few days after but my bank has no record of the charge even being attempted. This occurred around my due date and caused my payment to then be overdue. I attempted to pay the overdue balance again, and was given the same payment rejection message as before. My bank is well aware of the situation and if the charge was properly made there should be no problem in paying it. This was all done through EdFinancial. I attached an example of one of the messages they sent me about my payment, which happened for every loan I tried to pay.
Product: Credit reporting or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/year> my identity was stolen. The person got access to my bank account, my email, they accessed my XXXX XXXX account and deactivated my phone and transferred my phone to a new number. He set up XXXX accounts that are showing up on my credit report. 

These account were not opened by me : XXXX- Account # XXXX Balance- {$500.00} XXXX XXXX- Account XXXX XXXX XXXX Deleted from my credit report
Product: Checking or savings account

On XX/XX/2020 I filed a complaint with CFPB against Capital One 360 over a closing of my account due to 3rd party deposits.The total of the 3rd party deposits is {$9400.00}. But Capital One withdrew {$1600.00} over the total amount of the 3rd party deposits. If Capital.One did a thorough enough job when they did the investigation into the deposits, they would see that 3 of those deposits that they removed were made to ME, and NOT the 3rd party. The 3rd party and I BOTH have unemployment. Whoever handled this issue did not research the deposits thoroughly to check the names of who the deposits were for. They just assumed all Dept of Labor deposits to the account were sent to the 3rd party and then went ahead and removed all of them.That is unacceptable and Capital One should have more competent employees handling issues like this. I have attached the response that I received to my XX/XX/XXXX complaint and underlined the deposits that were made to ME and were removed with no legal right. That was money from the State of Hawaii sent to ME, in MY name and Capital One has no authority to take those deposits from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX reported my XXXX credit report twice XXXX different accounts number and wouldnt remove the lost and stolen account with the balance {$1100.00} and I have XXXX accounts now and I would like for the old account number removed from my credit report and keep the new account number on my credit report please fix and my second issues is Im unable to make any change on my XXXX online profile and Im getting a error message saying this online profile is not available I cant make any changes such as my phone number or request a credit limit increase at all or update my phone number
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiries below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 ) ( a ) 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. Delete the inquiries below : Creditor Name : Creditor Name : XXXX  XXXX XXXX, Date of inquiry : XX/XX/year>. Equifax. 
Creditor Name : XXXX  XXXX XXXX, Date of inquiry : XX/XX/year>. Equifax. 
Creditor Name : XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year>, Equifax. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax.
Product: Credit reporting or other personal consumer reports

I am reporting identity theft to the consumer financial protection bureau. There are two fraudulent inquiries on my Transunion Credit report that do not belong to me. 

Fraudulent Inquiry on Transunion : XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX These two inquiries are fraudulent and do not belong to me.
Product: Credit card or prepaid card

I am trying to add XXXX XXXX on my device my capital one credit card 5100 is giving me error message to contact my bank I have and they refuse to help me to get this resolved all they said is this is ongoing issue and when will it be fixed they dont know I am treated horrible they refuse to fix this issue and concern and they dont give me credit line increases when Im Loyal customer they decline my. Credit cars applications their system immediately it doesnt even try to qualify me I have applied for the savor one and venture and all declined Im treated horible
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am filing a complaint against XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX, Tennessee XXXX. # XXXX XXXX XXXX, manager name is XXXX XXXX. On XX/XX/2021, I entered into a contract with XXXX XXXX for a washer and dryer. I was later advised by my credit counselor to pay off this contract in 90 days. On XX/XX/2021 I made my first payment in the amount of {$110.00}, with a live person on the phone. I made the second payment using the automated system. That payment posted XX/XX/2021 in the amount of {$110.00}. The final payment in the amount of {$950.00} was also made through the automated system XX/XX/2021. I received a phone call from XXXX XXXX XX/XX/2021. I spoke with XXXX in the billing department who informed me that my account, that I thought I had paid in full, is now 3 months behind and they needed a payment. After going over the accounting with her we learn that they took the money that was to be applied to the washer and dryer and applied it to an account that was over 15 years old. This so-called forgotten account did not show up on the credit report. If so my financial advisor would have seen it and advise me to take care of it. I have been paying a company over the past several months to repair my credit. Prior to the unprofessional conduct from XXXX XXXX my credit score has gone up. Because of the action from XXXX XXXX it's now going to delay my timing for a purchase of home and automobile. Two of the credit bureaus are now less than 600 and the other is less than 700. I never enter into any contract agreement stating that funds from one purchase can be use towards another purchase. They never contacted me to inform me they were going to take the funds to satisfy an old forgotten account that they already received credit for. What we are seeking is, credit showing that the washer and dryer is paid in full with no delinquent marks on my credit and secondly I am seeking Financial restitution for the Damage to my credit score. My name is spelled XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tennessee XXXX. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 

Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681 ( 2 ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been disputing a XXXX account that has been on my report Account # is XXXX reflecting a 2010 opening. This account has been in dispute. I 've contacted the creditor reporting it and they sent a letter stating that they do n't own the account and are not reporting it. I forwarded that letter to Experian to have it removed and still it is there for no apparent reason. I 've tried to dispute it online and it gives me a red note stating that the account was already disputed and ca n't be disputed again. It 's an unverified account that ca n't be verified and the company showing on the credit report does n't even own it. I want this account removed immediately.
Product: Debt collection

Received a letter from XXXX XXXX XXXX in XX/XX/XXXX regarding an invoice stating we owed money. Contacted the company immediately upon receipt and was told by them they they did not have to provide any information to validate debt ( which they have to provide under the FDCPA ). I disputed the debt as I didn't know what it was for. I have made several attempts over the last two years to have this removed and company refuses to do so, despite not wanting to follow the law regarding debt collection practices. I pulled my credit report this year, and noticed that the debt had been sold to a debt collector National Credit Systems in XX/XX/XXXX. Despite them accruing the debt at that time, I have not received any letter from them to verify the debt. I attempted to dispute the debt through CRA due to the failure to provide proof of validation of the debt and they continue to fight it, but also refuse to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX XXXX XXXX a letter on XX/XX/2021, requesting my XXXX free Consumer Reports and Consumer Files and I have not received a response. 
After no reply back from XXXX XXXX XXXX XXXX, I proceeded with sending letters to all XXXX Credit Reporting Agencies on XX/XX/2021, requesting my Consumer reports and Consumer files. I have made several attempts, to obtain my CONSUMER REPORTS and CONSUMER FILES from XXXX, XXXX, and Transunion. Therefore, I am putting in a complaint on these companies. 
I have not received a reply back from neither of these companies and would appreciate if I could obtain what i am requesting.