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

I SENT THE CREDIT BUREAUS AND XXXX XXXX MULTIPLE OF DISPUTES ASKING FOR VERIFICATION OF ALLEGED REPO THAT THEY ARE REPORTING ON MY XXXX ACCOUNT. 

SEEMS TO ME THAT THEY CANT VALIDATE THE DEBT, AND ALWAYS SENT ME BACK A FRIVOLOUS RESPONSE. SOMEONE IS LYING AND NOT DOING THERE JOB. 

AND I NEED NECASSARY ACTION TO BE TAKING IMMEDIATELY. 

I WILL NOT ACCEPT THE STALLS ANYMORE. 

PLEASE HAVE THEM TAKE ACTION ON MY RESPONSE. 

I WANT XXXX AND XXXX XXXX TO COMPLY TO ALL FCRA & FDCPA LAWS. 

SEE ATTACHMENTS BELOW
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporter, list of accounts below has violated federally, protect consumer rights to privacy and confidentiality and confidential and confidentiality under 15 US C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights. 

XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ) Account number XXXX has vilolated my rights. 

XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX 15 US C 1681 section 602 a states I have the right to privacy 15 US C 1681 section 604 section 2. It also states the consumer reporting agency can not furnish account without my written instruction.

15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items information any other adverse item of information other than the records of convictions of crimes, which atntedates the report by more than seven years 15 USD 1681 S 2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This caused me financial injury and this has also caused me defamation of character. I haven't been able to apply for credit. And has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Student loan

XXXX XXXX used predatory practices when I was XXXX to get me to sign loan papers for loans that I did not understand. During years in forbearance while attending school they harassed me on the phone. Once I graduated they have continued to harass me calling me XXXX times a day. I have had hard financial times since graduating, and they will not work out payments with me.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I was trying to sell my bike. A person contacted me through XXXX to purchase the bike. XXXX is my bank 's form of XXXX. Someone from XXXX contacted me and said I had to put in the money into the account to show that I could protect the payment. I took screen shots of the communication. I sent them {$610.00} which was the asking price for the bike. I was told by XXXX I would get my money back and the payment for the bike. 

That did not happen. It was a scam!! I was unaware someone could hack XXXX as it is promoted through Wells Fargo.I lost the money which my mother transferred to me through XXXX. I had to borrow money because I didn't have any which was why I was selling the bike! 

My mother contacted Wells Fargo BEFORE the XXXX transaction went through. She told them what happened and they opened a fraud claim. I also called and made a claim. Wells Fargo let the transaction be completed even though they were told it was fraudulent. 

We have both tried to talk to the bank, spending hours on hold. Three claims were submitted and all denied. They still think I was buying a bike! I was selling. I have the screen shots, they did not care. They do not listen to what happened. They see that my mother transferred money to me and can't grasp the events correctly. We have tried to explain so many times. 

We wrote to the Consumer Federal reserve for help and they sent us to you. 
All I want is my {$610.00} back. {$500.00} of that belongs to my mother. Please help us. Wells Fargo should honor the request to refund the money because it was their website that got hacked. AND they let the transaction go through even though we asked them to deny it. 

Thank you for your time. 

Sincerely, XXXX and XXXX XXXX
Product: Checking or savings account

There was money remove from ny checking account 2 or 3 different time, I found it and turn it over to the my bank, and they reinburse my account, they was trying to get money out of my account went i was standing in the bank reporting it, i all so see a hard inquire from a credit card that i did not do, went will this stop, i Have to keep a watch on my account everyday because of this, they was small amount that was remove, but went will they take a lot out, someone has my information in how they got it i don ; t  know, but it all so making credit hard to get a loan due to hard inquires that been made by someone, Thank You
Product: Credit card

The complaint relates to the purchase of open water scuba pool sessions at XXXX XXXX XXXX via XXXX on XX/XX/2023 for {$230.00} using my Capital One quicksilver card. 
XXXX XXXX XXXX : XX/XX/XXXX Description of the XXXX deal - Scuba Diving Certification for One This is the beginner entry into scuba diving. This open water class is a combination of e-learning and traditional classroom. Once completed you will have earned an open water certification that is nationally and internationally recognized. 

XXXX XXXX XXXX promptly requested my voucher number in order to give me access to the e-learning course and subsequently marked it as redeemed on XX/XX/2023 without scheduling the classroom training and certification classes that was part of the deal. See email attached. 

I made various efforts to contact XXXX XXXX XXXX via telephone, email, and XXXX XXXX, as evidenced by the enclosed screenshot of our interactions. Despite my earnest attempts, I received no response regarding the scheduling of the classes. 

I was hoping to receive my training within 30-45 days of purchasing the XXXX as I had a long vacation planned out of the country at the end of XXXX. At no point did the XXXX fine prints mention that I will have to wait for an indefinite period of time before I can expect the full and complete delivery of the services described. Regrettably, my attempts to secure a response from XXXX XXXX XXXX proved unfruitful via phone or online messages. 

I reached out to XXXX customer service who refused to return my money as once the voucher is marked redeemed they can not or will not assist any further unless I obtain written confirmation from the XXXX school confirming that the service was not provided. Needless to say, getting a response from the XXXX XXXX XXXX is impossible as they don'y reply to calls, texts or emails. 

So, I filled a dispute with Capital one as a last resort as I was still within the 90 day period and provided capital one dispute team with proof indicating that the service was not delivered as promised. However the Capital one dispute team decided to side with the merchant as the merchant had marked the XXXX as redeemed. 

My husband had purchased the sameXX/XX/XXXX with his XXXX card and he had the same problem. However, XXXX promptly refunded him the money and didn't wrongfully side with the merchant. 

I am requesting a full refund for the disputed charge, given that the services were not rendered as described under the groupon deal description, and the merchant failed to respond to my inquiries over an extended period and for the time, energy and stress this whole situation has caused me.
Product: Mortgage

XXXX XXXX company sold my mortgage loan to Selene Finance. My loan was modified under XXXX XXXX company. Selene has done the following since they purchased the loan ; 1, ) Did not honor the modification2. ) Added {$140000.00} to the balance of the loan3. ) Increased the interest rate from 3.00000 % to 7.625 % 4. ) Did not pay the real estate taxes per mortgage ( from escrow )
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I have fraudulent accounts on my report. I am also a victim of XXXX data breach. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an reinvestigation request regarding my credit report over six weeks ago and I have not received any reply. I have will upload the actual reports of all the discrepancies showing EMPLOYER IS WRONGLY SHOWING- PLEASE DELETE XXXX  XXXX   XXXX - - never received mail - provide proof of documents never being late -- wrong opened date and wrong limit XXXX  XXXX never received mail - provide proof of documents never being late- - wrong opened date and wrong limit XXXXXXXX XXXX XXXX - send proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX XXXX   XXXX proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX XXXX XXXX XXXX never disputed - REMOVE THE FALSE Comments
Product: Debt collection

I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2024. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXX SOLD TO LVNV FUNDING. THIS ACCOUNT IS FRAUD AND NOT VALID. I HAVE NEVER DID ANY BUSINESS OR APPLIED FOR A XXXX XXXX CARD IN MY LIFE. IVE ASKED THIS COMPANY LVNV TO PROVIDE ME WITH A ORIGINAL CONTRACT WITH MY SIGNATURE WITH XXXX  XXXX, NO RESPONSE. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Product: Credit reporting or other personal consumer reports

While researching my credit report I came across an account from seller : XXXX XXXX XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX. 
Original account : XXXX Current creditor : Portfolio recoveryAssociates, LLC
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report as a result of identity theft from a recent data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the removal of the following accounts and inquiries from my credit file : XXXX Accounts : XXXX Account XXXX. : XXXX Open Date : XX/XX/XXXX | XXXX : {$XXXX} XXXX Account XXXX. : XXXX Open Date : XX/XX/XXXX | Balance : {$XXXX} XXXX XXXX XXXX Account No. : XXXX Open Date : XX/XX/XXXX | XXXX : {$XXXX} XXXX Account XXXX. : XXXX Open Date : XX/XX/XXXX | Balance : {$XXXX} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have had multiple problems with Mr. Cooper failing to make timely payments from my escrow account. I have alerted them to this problem several times, with no improvement in service. 

I refinanced the mortgage on my primary residence with a closing date of XX/XX/XXXX, and the loan was transferred to Mr. Cooper. 

My local property tax is due annually in two installments, the first on XX/XX/XXXX and the second on XX/XX/XXXX. The first payment for XXXX was made as part of the closing settlement, and also as part of the settlement I established an escrow account which included funds to cover the second tax payment for XXXX. I expected the mortgage company Mr. Cooper to make the second payment from the escrow account, which they failed to do. The late tax payment is now due on XX/XX/XXXX, with an additional interest assessment of XXXX. I called Mr. Cooper to alert them to the problem on XX/XX/XXXX, and they have not yet made the payment as of XX/XX/XXXX. On XX/XX/XXXX I called them again and they informed me that they will make the payment tomorrow ( on XX/XX/XXXX XXXX, so it will not be received timely and will likely incur additional fees and interest. 

This missed tax payment will affect my XXXX federal and state tax liability, as it will decrease my itemized deductions for tax year XXXX. This will impose a financial hardship on me due to their error in processing the escrow payments. I have not yet determined the amount of this hardship. 

Mr. Cooper was also late in making the payment on my homeowners insurance, which resulted in the insurance company sending a cancellation notice for the policy. The Mr Cooper website shows that the payment, which was due on XX/XX/XXXX, was made by Mr. Cooper on XX/XX/XXXX, but it was not received by my insurance company until XX/XX/XXXX. This is unacceptable and puts me in danger of having the policy cancelled. I understand that there is a grace period for the payment ( until XX/XX/XXXX I believe ), but the untimely payment used up of most of that grace period and I would not have had adequate time and opportunity to secure another policy to protect my property.
Product: Mortgage

I have a loan with Bank of the West and am in the process of selling my house to payoff the loan. In the payoff statement, Bank of the West charged me a late fee of {$670.00} when I have not been late at all. I called their mortgage customer service line, and the customer rep, XXXX, assisted my call on XX/XX/XXXX at XXXX CST. He confirmed that my loan is on the deferred program until XX/XX/XXXX and there is no late fee charge on my account. He said, they couldn't change my payoff statement and ask that I pay the late fee and get reimbursed after the close of escrow. 

Why would anyone pay a fee that he/she did not incur? Requested to speak with their supervisor and manager, and was placed on hold for over 20 minutes. After that, I was transferred to his voicemail, XXXX XXXX. 

Customer should not be asked to pay for a fee that he/she is not incur. I am infuriated by this treatment and am filing a compliant against Bank of West for improper charge of late fee against their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry was added to my XXXX credit report on XX/XX/2017. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXXwill prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXXto report the credit cards. THIS IS EVIDENCE OF AN ATTACK!
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023
Product: Bank account or service

Re : Discriminatory Practices This Formal Complaint is against JP Morgan Chase Bank and the Bank Manager XXXX XXXX XXXX. On XXXX/XXXX/16 at approximately XXXX XXXX I entered the bank ( XXXX XXXX XXXX XXXX ) to make a deposit. 

While standing on line, a customer in front of me walked up to the bank teller and handed the teller his money and deposit slip only, and his transaction was processed. 

I walked up to the teller and handed my deposit slip and money to him. He immediately requested to see my I.D, I then politely asked why do I have to produce my I.D and the gentlemen standing at the teller window next to him did not have to produce his I.D . He replied " that 's a business customer and they do n't have to show their identification '' I then requested to speak with the bank supervisor. 

XXXX XXXX came to the window, and I asked him the same question and he gave me a different answer stating " the teller knows that customer that 's why he did n't have to show his I.D I then replied " is that fair, is this really the policy '' He then stated " some customers do n't have to show their I.D because it states KNOWN CUSTOMER on their account. I then replied that does not make sense. He then stated in a boisterous manner " I know my bank policies do you '' I then asked, am I 'm being targeted because I 'm XXXX. He replied in a very condescending matter " I 'm offended that you would say that because I 'm XXXX XXXX and I 'm darker then you '' I then requested his business card, which he gave me. I then made my deposit with my I.D and left the bank. 

I received XXXX different explanations has to why I had to show my I.D and the XXXX male customers did n't. For over 10 years I 've been doing business with Chase Bank
Product: Debt collection

I would receive multiple calls while at work at the most inconvenient times from ccs. I finally got tired of the constant harassment and rudeness from the company so I decided to settle with the company, they told me i owed debt with XXXX XXXX XXXX and even though the information provided to me didn't seem to register with me I reluctantly paid the settle amount. After some time had passed and with much thought I decided to call and ask questions about this debt because I don't ever remember having auto insurance with XXXX. I reached back out ccs to ask questions and the dates the company provided me with didn't seem right because I knew I didn't own a car or have a car in my name at the dates ccs was saying I had auto insurance, so after going back in fourth with ccs and coming out even more confused. I decided to contact my transportation cabinet to see if I owned a car on the dates ccs said i had car insurance. Ccs said that I had auto insurance with XXXX from XX/XX/XXXX to XX/XX/XXXX. I have uploaded documents from my transportation cabinet with all cars I've had in my name and high lighted dates registered I never owned a vehicle on or around XX/XX/XXXX to XX/XX/XXXX as shown from the high lighted dated documents. This company ccs has scammed me out of money, they have no documents with my signature on it saying that I signed up for auto insurance with XXXX and also are reporting this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$890.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX  XXXX Balance : {$43.00} ; XXXX  XXXX Balance : {$32.00} ; XXXX  XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX