23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX at XXXX am my checking account was charge for a transaction of {$4100.00} via my debt card. My debt card had not been used physically for the over 4 months. My checking account only had roughly {$1400.00} in it, however my Wells Fargo credit card is linked to my checking account as an overdraft feature. My checking account was left with 0 dollars and my credit card was left with the difference of around 3,400. Never in the 15 years with Wells Fargo have a made a purchase of that amount physically using my debit card. I filed a claim with Wells Fargo and the investigation determined it was a valid transaction. This is the same bank that denied me to pull out 4,000 dollars from their bank due to fraud activity when I was physically present and showed them my ID, used the debt card, and pin. I am just mind blown how a transaction at that given hour was authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Congress made it know to a federal protected consumer that XXXX, Transunion and XXXX must have your written instructions from the consumer. I never gave XXXX, Transunion and XXXX any written instructions no consent is identity theft. They never did their investigation right according to federal law. They never talk to my neighbors friends or associate. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of constructiona ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associat
es of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Remove all accounts
Product: Credit reporting or other personal consumer reports

The information listed is incorrect and was incurred through fraudulent means. According to FCRA 605B, you are obligated to block such information from my credit report within XXXX business days of receiving this request
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy Driving Licenses for your reference. For the record I have lived in the same residence for over 7 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts. Also there are some inaccurate accounts that are showing on my report that are paid in full and need to be removed/ deleted. Here are the inaccurate accounts : XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ***XXXX XXXX XXXXXXXX # XXXX, ***XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ***XXXX XXXX XXXX # XXXX, **XXXX XXXX # XXXX, ***XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX # XXXX, ***XXXX XXXX XXXXXXXX # XXXX My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
My current phone number is : XXXX All other phone numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : Also, my current and only address is : XXXX XXXX XXXX XXXX, Ohio, XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXXXXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Ohio XXXX
Product: Debt collection

On XXXX XXXX, 2015 I was entered into the care of XXXX. This of course came with some bills, the one I 'm disputing is in collections for a total of {$3400.00}. I do n't even know what the charge is for specifically or the amount and can not find the information anywhere. Every other charge I incurred during my hospital visit was covered by my insurance company at the time, XXXX. I had had the insurance since XXXX, and I have the payments to prove it. I was told by XXXX customer service on several occasions to give them time to send the payment over to the collection agency or the hospital asking for the charges at the time. They later changed their story and said they were no longer going to pay, even though during 2015 and at the time of the hospital visit, I was paying a premium of {$570.00} every month for the Silver Deluxe AX plan. I 've had insurance with them for 2+ years and they left me in the dark thinking they were going to cover what they agreed to and what I 've been paying for but they did not. And my debts have now been sent to collections. I know that these debts are not to be paid by me, but by XXXX, I have been paying my premium for a reason, it 's their debt NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I supplied all three credit bureaus with proof from the XXXX XXXX XXXX verifying that the debt being reported by XXXX XXXX for XXXX XXXX XXXX in the amount of XXXX was not valid and should be removed and despite the written proof from the court showing a balance due in the amount of XXXX and that the eviction was dismissed and balance was XXXX. This item continues to be reported and is negatively affecting my credit. I have contacted the company for assistance and have not received a return call with a resolution. I am requesting that this item be removed as it is not valid or accurate. 

I submitted the proof of dismissal with a XXXX balance to XXXX, Experian and XXXX on XX/XX/2023 and was advised that it was forwarded to the company for investigation and removal on XX/XX/2023 and today XX/XX/2023 the item has not been removed. Please see attached proof of dismissal with a XXXX Balance from the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

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

In accordance with the fair credit reporting act. Pursuant to 18 USC 8XXXX the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXXXXXX XXXX  XXXX. XXXX Account name : XXXX XXXX 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. 

15U.S.C 1681c. ( a ) ( XXXX ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681S-2 ( a ) ( XXXX ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

Equifax has reinserted previous unverifiable negative accounts on my file. I have send dispute letters showing negative accounts that have re-aged history, recent payments, schedule payments on accounts that have been close or sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I put two disputes with the three major consumer reporting companies, XXXX XXXX, experian, XXXX, for accounts XXXX XXXX, and XXXX XXXX MasterCard, both details are listed in photos below. My problem is the reporting agencies never responded to my disputes except for XXXX XXXX deleting XXXX XXXX, but the other agencies didnt respond nor did XXXX XXXX respond to XXXX XXXX. In XXXX I put a demand to respond to my request again no response ... Please delete both XXXX XXXX and XXXX XXXX from Consumer reports, this is my request that the CFPB so action
Product: Checking or savings account

I had a Business Checking account with XXXX, who on XX/XX/2022 suddenly terminated my account. I immediately reached out to customer support, and was notified by XXXX on XX/XX/XXXX that they had discontinued their Credit Builder service. As such, they would return my funds ( {$120.00} ) within XXXX weeks. 

On XX/XX/XXXX I reached out again, having not received my funds and being unable to withdraw them manually. XXXX assured me my funds would be transferred within 57 business days to my linked checking account. 

As of XX/XX/XXXX, it is now 2 weeks since that last contact and more than a month since the first, my funds are still frozen, I am unable to withdraw them manually, and my Debit Card has also been canceled. I am locked out of my account, unable to access my money, and being lied to repeatedly.
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 Balance : {$110.00} TRANSUNION : DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$940.00}
Product: Credit reporting or other personal consumer reports

This Address listed below is not i recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Barclays ( XX/XX/XXXX DE ) my credit card company to dispute a phantom charge on or around XX/XX/2022. I was told by Barclays that I must submit dispute in writing. I faxed ( XXXX ) the following statement : " On XX/XX/2022 I was charged incorrectly by XXXX XXXX XXXX ( XXXX RT XXXX XXXX NY ) for sum {$180.00} for repairs while my car was still under warranty. I was told by the Service Rep there would be no charge for the repairs. Upon discovery of this charge I called the service department at XXXX XXXX XXXX twice I an attempt to rectify this matter. I was told twice by XXXX different receptionists that XXXX would call me back. The results of both phone calls on this matter yielded negative results. Hence I want to dispute this charge. '' I received a letter from Barclays dated XX/XX/2022 stating, " unable to assist with disputes involving rebates or warranty work. '' XX/XX/2022 contacted Barclays spoke to XXXX who recommended to send a fax to reopen my case. XXXX further stated she memorialized my phone call comments and concerns in Barclays XXXX. 
on XX/XX/2022 I faxed Barclays another statement, " Looking over my statement I discovered a phantom charge by XXXX XXXX XXXX for sum {$180.00} for the date XX/XX/2022. I called XXXX XXXX XXXX XXXX department twice in an attempt to rectify this matter. I was told twice by XXXX different receptionists that I would receive a callback. To date I never received a callback. Due to this phantom charge void of warranty work or a rebate and XXXX XXXX XXXX being unresponsive I want to reopen this dispute. 
XX/XX/2022 I called Barclays and was told XXXX in the dispute department that my dispute was reopened on XX/XX/2022 and closed on XX/XX/2022 because to much time has passed and this phantom charge can never be disputed again. 
On approximately XX/XX/2022 XXXX XXXX XXXX stated they have no record of any customer being charged {$180.00} for any service performed on XX/XX/2022. 
I thank you in advance for any help and time you put into this matter.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5900.00} XXXXXXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX BANK XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX BANK XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3.00}
Product: Debt collection

Assets Acceptance LLC ( case no. XXXX ) has been trying to collect debt for me for the pass 13 years now. I have spoken and told them that I didnt open up or have in records of it. In the of XXXX and the beginning of XXXX I was living with my XXXX in North Carolina I have paystubs to show that I was there during that time period. I believe someone used my information to proceed with this account. Ive been trying to dispute for the pass couple of years.
Product: Debt collection

The Debt collector contacted my parents multiple times and identified themselves as debt collectors.
Product: Mortgage

HAD FIRST MORTGAGE WITH RP FUNDING THEN REFINANCED THROUGH RP FUNDING BACK IN XXXX. ACCORDING TO RESPS SECTION 3500.17 ( f ) RP FUNDING HAS 30 DAYS IN WHICH TO REFUND ME THE ESCROW BALANCE ON TH EOLD MORTGAGE. THEY WERE IN VIOLATION OF THIS SECTION I DID NOT RECEIVE THE CHECK IN 30 DAYS. SECOND WHEN I DID RECEIVE THE CHECK I ATTEMPTED TO DEPOSIT IT TWICE AND I WAS ADVISED THERE WAS SOMETHING WRONG ABOUT THE CHECK. THEY ADVISED THAT THE CHECK WAS STOPPED. I CALLED RP IMMEDIATELY ( 2 DAYS AGO ) AND WAS TOLD I WOULD GET A DCALL BACK LATER THAT DAY. NOTHING HAPPENED. KEP TRYING TO CALL SINCE THEN AND LEFT MESSAGES AND NO CALL BACK.
Product: Credit reporting or other personal consumer reports

I have asked Experian, XXXX, and XXXX to remove the following from my credit report : All credit bureaus have been reporting XXXX XXXX XXXX as a collections, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have not been provided a validation of debt and they are in violation of the FRCA laws, 15 USC 1692g, 15 USC 1681S-2, 15 USC 1681i , and 15 USC 1681C-2 . This is inaccurate credit reporting as I have no known information about any accounts reporting. I have disputed the items, and they are still failing to remove the and are reporting incorrectly on my consumer file. I want a purchase agreement to all accounts reporting showing full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me or remove within 14 days. XXXX have been reporting the following inquires and they are fraud, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are reporting things I had no idea was in my name and all 3-credit bureau are violating my consumer rights.
Product: Mortgage

My mortgage was recently transferred from XXXX to XXXX. The mortgage was originally taken out in XX/XX/XXXX for {$200000.00} and then refinanced in XX/XX/XXXX to secure a lower interest rate and that agreement is attached. The principal at time was {$180000.00} and was for 23 years at {$1200.00} a month. That mortgage agreement was with XXXX XXXX XXXX  XXXX XXXX. After the XXXX  refinance, my loan was transferred to CitiMortgage for servicing. In XX/XX/XXXX, I was temporarily unemployed and worked with CitiMortgage to enter into a forbearance agreement in which it was our understanding from our discussions with CitiMortgage that any missed payments and interest would be added onto the back end of our mortgage when payments resumed. The principal at the time of the modification was {$150000.00}, which included all principal and interest and our payments would be {$860.00}. We assumed that the lower payment was a result of our mortgage being into the 17th year of the term. We never asked for or agreed to a new maturity date of XX/XX/XXXX!! I was XXXX years old in XX/XX/XXXX and we would never have agreed to a mortgage commitment until I as XXXX years old ( XX/XX/XXXX!! ). We had other options at the time and certainly would had pursued them at that time had CitiMortgage made full disclosure. I am a XXXX XXXX  and spent most of my professional career in financial services  and could not believe the extent of that CitiMortgage misled us about the impact of deferring payment due dates. I only discovered this recently when our new servicing company, XXXX, had an amortization calculator on it's website. I used it to see how soon, by increasing my payments, our mortgage would be paid off. That is when I discovered the XXXX Maturity date. I contacted XXXX and they sent me the XXXX mortgage agreement as well as the XXXX modification which I am attaching for your reference.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I was approved by Acima for {$1900.00} for furniture purchase at XXXX XXXX  located in XXXX, GA. I was not informed that after the 90 day buy out that I would incur an exorbitant amount of charges. I reached out to the company where I purchased the items to try and return them, but I was denied. By the end of lease agreement, I had paid {$3300.00}. That is almost a double the amount of the actual cost of the furniture!
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 Balance : {$1500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$220.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX