23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$12000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$9500.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 
These accounts are incorrectly being reported as charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, I have NEVER received ANY service and NEVER made ANY purchase from Jefferson Capital System LLC. I sent a formal dispute letter seeking validation of the alleged debt which Jefferson Capital System LLC received at XXXX on XX/XX/2020, evidenced by certified mail number XXXX XXXX XXXX XXXX XXXX. Jefferson Capital System LLC FAILED to respond with the requested competent evidence as per FDCPA, FCRA etc. After thirty days, I sent another letter giving Jefferson Capital System LLC another opportunity to EVIDENCE the alleged debt but Jefferson Capital System LLC continuously sent prints of alleged bills, but FAILED to evidence the alleged debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I then disputed the derogatory mark ( Jefferson Capital Systems ) with the Credit Bureaus. Jefferson Capital Systems was then REMOVED from my Credit Report, but IMMEDIATELY reinserted. It is clear that Jefferson Capital Systems is GUILTY of FRAUD AND DECEPTIVE BUSINESS PRACTICES! Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am a victim of identity theft. There is information on my consumer report that is a result of identity theft. My rights to privacy have been compromised instead of protected through the Fair Credit Reporting Act. I did not provide written permission or instructions to be reported on my consumer report. 15 US Code 1681 c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. 18 US Code 1028A states that whoever knowingly transfers, possesses, or uses my information, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am requesting that the reporting of this information be BLOCKED AND DELETED. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
Account Number : XXXX  Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Number : XXXX Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 
You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Bank account or service

Unprecedented case. After 30 years working with Merchant Services, Bank of America, XXXX XXXX, the XXXX XXXX VISA/MC bankcard machine we used during the ... craft show, did not capture XXXX of a XXXX day craft show resulting in lost revenue ( cyberspace ) of approximately {$9700.00}. Our XX/XX/XXXX show ran XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX Tuesday through Saturday. On Wednesday, our credit card machine ( always set to work offline due to poor phone lines at XXXX ) continued to accept customer bankcards from XXXX until XXXX and " batched out '' properly. However, the batch report seemed rather odd indicating a bankcard entered at XXXX and the last XXXX batched out at closing. We immediately notified XXXX XXXX Merchant Services through B of A XXXX. It has been 14 days now and our {$9700.00} remains 'lost ' in cyberspace. Merchant research department, technical department, B of A president in XXXX, XXXX XXXX top leader, XXXX XXXX XXXX office, XXXX and more reps are all unable to locate our funds. They do not know what to do. We are now asking for our {$9700.00} to be put back into our account so that we may move forward to pay our contracted vendors. When the bank asked for more information, we provided XXXX signed receipts with individual charges totaling {$9700.00} including a few cards that may have been declined. We were smart enough to capture phone numbers from XXXX customers per receipt ... but we do not feel it is our job to have to invoice each customer as the bankcards were never declined ... they were simply 'no where to be found '. Bank of America should refund our lost/stolen money and take care of collecting from the customers themselves. It has been 14 days now and the lost authorization receipts have a shelf life of no more than 30 days. Where is our money? Why is B of A shrugging their shoulders and not helping us? We feel, as small business owners we are being treated unfairly when compared to the bigger guys. We are the XXXX ' trying hard to sling our voices towards XXXX ... .Can anyone help us?????
Product: Money transfer, virtual currency, or money service

Someone is using my email address and name to open a MoneyLion account as well as a XXXX XXXX XXXX. I am unable to reach either company through their phone system to talk to anyone about cancelling these accounts. 

I receive this email from XXXX on the XXXX. 

Hi ____, Below is your Direct Deposit enrollment information. Give this information to your employer or benefits provider to enroll in ASAP Direct Deposit, and you could get your pay up to 2 days before payday or your government benefits up to 4 before benefits day.

Bank Routing Number:XXXX Direct Deposit Account Number : XXXX Bank Name : XXXX XXXX XXXX Deposit Amount : Provide this amount to your employer or benefits provider. 
Account Type : Checking Direct Deposit timing depends on deposit verification and when we get notice from your employer or benefits provider, and may vary from pay period to pay period. 

If you provided your employers email address, we also emailed them your direct deposit enrollment information. Make sure you follow up with your employer to check the progress of your enrollment request. Make sure the name and social security number on file with your employer or benefits provider matches whats on your XXXX XXXX account exactly. We will not be able to deposit your payment if we are unable to match recipients. If you need additional help setting up direct deposit, please call ( XXXX  ) -XXXX-XXXX. 


Thank you for choosing XXXX XXXX! 

I received the following two emails from MoneyLion on XX/XX/21. Neither the phone number or email address are mine. They are just using my maiden name and my email address. 

Hi, You've successfully updated the phone number on your MoneyLion account to XXXX. Thanks for keeping your info up to date. 

If you did not recently update your phone number, please log into the app to change your number or contact us if you need help. 

While youre here, check out MoneyLion perks, like deals in the Rewards tab or 0 % APR XXXX advances in the Finances tab! Open your MoneyLion app. 

Thank you, MoneyLion MoneyLion SIGN IN YOUR ADDRESS HAS BEEN UPDATED Good news! The mailing address associated with your MoneyLion Account has been updated : XXXX XXXX XXXX  XXXX XXXX, XXXX, WI, XXXX Dont recognize this activity? If you feel this change has been made in error, please send us a help request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Product: Credit card or prepaid card

Flight Date : XX/XX/2020 Flight Itinerary : XXXX XXXX XXXX XXXX XXXX. 

Description of Problem/Inquiry/Comment : The airline cancelled the flight From XXXX XXXX to XXXX via XXXX. Policy at time of ticket transaction was refund to original form of payment in the event of a cancelled flight. Purchased through XXXX. Only emails received indicate airline credit, not refund, in violation of the policy. Spent hours on the phone-XXXX XXXX   saying Entitled to refund but XXXX must refund as they are agent. XXXX saying XXXX must refund as the ticket was billed directly by XXXX XXXX. They then said they will send in the request to process with confirmation guaranteed in 48 hours. 96 hours have passed. Ticket number XXXX. Disputed with credit card company who stated in absence of the airline offering a refund by documentation they will not do anything. In other words, they are not protecting us.
Product: Debt collection

On XX/XX/XXXX I recieved a 1099C From TMX Finance LLC regarding an old debt in the amount of XXXX that states the date of identifiable event as XX/XX/XXXX. This is the second time TMX has sent me a 1099c for XXXX the last one was on my XXXX tax return for the exact amout, which I just verified. I am not paying taxes on an old debt that was already on my XXXX return. I can submit my XXXX tax return as proof of TMX fraud.
Product: Checking or savings account

In late XX/XX/2024 as a college student, I had a pressing need to make a tuition payment due to complications with my Federal Student Loan. In order to expedite the payment process, I borrowed {$12000.00} from my grandfather. Shortly after that, I attempted to pay him back by transferring money from my online Synchrony savings account to my own XXXX  XXXX XXXX account. I complied with Synchrony 's requirements for the verification process and completed those successfully. Everything seemed fine until I tried to execute the transfer. I unwittingly answered one of the security questions incorrectly, and Synchrony Bank denied the transfer. After multiple attempts to once again execute the transfer, Synchrony Bank placed a restriction on my savings account and denied me the ability to transfer from my own savings account to my own checking account. Since that time, I have made multiple attempts to simply access my account with Synchrony online and I have been unable to successfully log-in despite repeated attempts, most recent attempt today. It's important to note that all of these unsuccessful attempts have included direct telephone conversations between Synchrony agents and me. Obviously, the situation has placed significant economic stress on me as a college student who has bills to pay. In conclusion, I am filing this complaint because frankly, I do not know what other alternatives I have. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX Account # XXXX I am writing to request the blocking of a fraudulent collection account from my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This account is the result of identity theft, and I am seeking to have it blocked from my credit report.

Please block this fraudulent account from my credit report as required under the FCRA. Additionally, I request that you confirm in writing once the account has been blocked.
Product: Vehicle loan or lease

Wells Fargo reflecting XXXX late payments.. Sent them bank statements as proof never later.
Product: Money transfer, virtual currency, or money service

I had horrible experience the last few weeks using Zelle money would be taken from my account or wouldnt show up as a whole it made it very hard to initiate business or personal transactions
Product: Credit reporting

The issue is the Trans Union refuses to remove incorrect information off of my credit report. They say that they will reinvestigate and then give a response after 60 days. That is n't ethical. Their time frame is 30 days. That is it. I have already sent an intent to sue notification to the Bureau and I am now waiting for a court date. I know of several people that have sued and won because Trans Union has n't removed items where XXXX and XXXX already have removed the information. There are XXXX bankruptcies that should n't be on there. XXXX and XXXX have already removed them. TransUnion has been fighting me on this for the last year, and I am not going to deal with this a month longer. My plan is to sue for the amount that the law allows and not any less. The items that need to be removed are both bankruptcies, XXXX, XXXX, XXXX as they should have never been on there. I was told that TransUnion leaves items on there according to what the creditor wants which is illegal. The items have already been removed from the other bureaus, therefore Transunion needs to remove them. Also numerous inquiries need to be removed because those car dealerships did n't have my permission to run my credit. XXXX needs to be removed as well. Lastly XXXX needs to be removed lastly. This is the last time I file a complaint. My next step is to see them in court with all of my witnesses and documentation that I have showing that no one has validated any debt, nor shown any proof that it belongs to me, which it does n't.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, XXXX  XXXX  Dear XXXX XXXX, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under XXXX, XXXX, XXXX XXXX. 

It has unequivocally come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX  XXXX XXXX  emphasizes the necessity of consumer consent for credit reporting. Furthermore, XXXX  XXXX XXXX establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX  to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable XXXX XXXX XXXX. Failure to comply within the stipulated XXXX-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX XXXX. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX  will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

I would like to dispute the collection attempt against me from Allied Collection this account has been reported as of XX/XX/XXXX in attempt to collect a debt. I want to dispute this action based on their attempts to reage my debt this student loan debt comes from XXXX XXXX XXXX XXXX the collection attempt was sold to collection agency XXXX and XXXX and I paid them for several years. The account was again resold back to SC student loans and I paid them from XX/XX/XXXX to XX/XX/XXXX. This year XX/XX/XXXX I received notice to collect a debt from Allied Collection they opened a new  collection under my social security number and again reaged my debt. This is negatively impacting my credit and I would like this Allied Collection attempt removed from all three of credit reports.
Product: Checking or savings account

I got scammed out of {$2400.00}. I filed a fraud report online on the government website. Basically someone reached out to me saying they would be able to help me with a loan with a 50 % discount offer. I.e., they said if I needed to pay a bill, they would pay for it and I would send them half. I agreed to do this with a {$5000.00} bill payment. They sent this amount to my credit card account. After a few days, once the payment hadn't bounced, I sent them the money from my Chase bank account. However, the payment they sent bounced a few days after that. They never sent me my money back. 
When I spoke to Chase, they made me come into the store in order to simply speak with someone on the phone who wasn't able to do anything about it anyway. They said they could not help me. 
However, since it was a transfer initiated in the bank, I should be able to get my money back.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX who impersonated himself as an employee of paypal was working on a case which my account was charged with fraudulent charges of around {$10000.00}. 
From XX/XX/year> to XXXX XXXX a total amount of {$9900.00} was withdrawn from my XXXX XXXX to purchase Bitcoin currency from XXXX. 
I contacted the Paypal office on a few days ago and was told that he is not an employee of Paypal and that there is no office in XXXX XXXX. 
I also contacted the Police department in XXXX XXXX and I was advised to file a IC3 report with the FBI.I complied and also filed a report with the FTC. 
I contacted XXXX on XXXX, reported the facts and a investigation was opened with reference number XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIUALITY UNDER 15 USC 1681.

ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Credit card

Date of the incident : XX/XX/2024 Charges on my Debit card : XXXX. {$4000.00} on XX/XX/2024 at XXXX ( did NOT authorized transaction ) XXXX. {$4000.00} on XX/XX/2024 at XXXX ( did NOT authorized transaction ) XXXX. {$220.00} on XX/XX/2024- which Wells Fargo claims that was authorized XXXX - This transaction I do recognized but I do not for that date that wells Fargo XXXX saying the debit card was inserted chip approval because I was not there at this place on a XXXX XXXX XXXX 

on XXXX XXXX XXXX I was at a bar in the XXXX XXXX XXXX witch appeared in my statement as XXXX corporation out of the XXXX transactions I do recognized number XXXX for {$220.00}. 

Wells Fargo XXXX # XXXX I had my wallet in my position at the time the {$220.00} happened but as I stated to the wells Fargo representative I lost my wallet that night and I checked my account the next morning I saw those XXXX charges for XXXX each. 

Well Fargo is trying to denied the claim by saying that I authorize those transaction when I sent proof from XXXX the manufacture of my phone that there was no text to me phone or email asking me to acknowledge these transactions for XXXX. 

A XXXX representative access phone to look for Well Fargo notification on my phone as you see on the documents that were uploaded. 

I need help PLEASE
Product: Credit reporting or other personal consumer reports

This is my 12th 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  Balance : {$2200.00} XXXX XXXX XXXX Balance : {$4100.00} : XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$4100.00}