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

On XXXX XXXX, I sent a letter to XXXX, XXXX XXXX and Lexis Nexis Risk Solutions to dispute bankruptcy. Lexis Nexis did respond to my dispute saying that they were unable to verify the accuracy of the bankruptcy, so they deleted the record immediately. Also, Lexis Nexis sent me a letter saying they tried to contact XXXX but they did not respond. I started the dispute since XXXX but the 3 Bureaus never responded to any of my letters regarding my dispute. Please help me reach out to the Bureaus because they ignore my request. I have applied for mortgage for several times but I always got rejections. I am really looking forward for your help anent this matter.
Product: Money transfer, virtual currency, or money service

Someone made fraudulent transfers of money from my debit card using Moneygram. I contacted the debit card issuer and the police to report the fraud. I was instructed by the police officer investigating the case to get a phone number so he could reach Moneygram to discuss the fraud so criminal charges could be made against the person responsible. I was told by representatives of the company including a fraud department supervisor that I would need a subpoena to get any information regarding the transactions made that totaled over XXXX dollars on my card. I asked for a number that the law enforcement officer to call so that the subpoenas could be sent and they told me to have him call the main number. He called the number and was told that he couldnt get any information without my consent which I had already given on a recording. They refused to even give me an address to send the subpoena. I spent well over an hour on the phone with them and asked them if they were documenting this and if this fraud complaint would be documented and was told it was not. I am so frustrated with this whole process when all I am trying to do is get those responsible for the fraud prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$990.00}, {$8900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just made aware a hard inquiry was made on XX/XX/2018 was made to XXXX XXXX.  This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. BK OF AMER XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit card or prepaid card

During late XXXX through XXXX until XXXX I was making payments... the system kept saying my bank was rejecting the payments but yet most showed on my bank statement ... my bank also said they never rejected my payments to the credit card ( issued by fortiva )... so all my payments were reversed ... I called them and told them what was happening but never received a return phone call from management ... I finally made a payment to close the account over the phone with an agent in XX/XX/XXXX thus paying off the card and the account was closed ... in XX/XX/XXXX I get a text message from them saying I owe them. I called the company and the agent mumbling barely understandable said I owed {$400.00} for reversed payments that happened in XXXX. I did not have an account opened at that time and I had already had a phone agreement saying I was completely paid off ... now over a year later this comes back up. I told them several times there computer system was screwed up and it needs to be fixed and checked. Apparently they paid no attention to this issue as it comes up again. There are many bad reviews about this company ( Fortiva ) and the way their app works... I believe they also have fake in company personel creating positive reviews. To say finally I paid off this card completely!!!
Product: Credit reporting, credit repair services, 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 to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : 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 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 ) ( 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 believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts appearing on my credit report that do not belong to me and after multiple requests to remove or provide information, I have not received any resolution. I am a victim of identity theft & this is a result of this. 

XXXX XXXX Opened XX/XX/XXXX. Balance is currently {$840.00} and has went into charge off status. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$460.00}. 

JEFFERSON CAPITAL SYSTEMS ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$1000.00}. 

I was added as a authorized user on a XXXX XXXX XXXX account which I never authorized my being added to this account and apparently the account holder has a unpaid balance effecting me. I requested to be removed from this account on multiple occasions and my requests have been ignored. The balance is in the amount of {$1100.00}. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX XXXX has never had any late payments and needs to be corrected to reflect this on my credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested copies of my credit report and at that time I noticed unauthorized inquiries as well as incorrect personal data contained within my credit reports. Then on XX/XX/XXXX I submitted a request to all XXXX  credit agencies ( XXXX, XXXX and XXXX ) to delete this inaccurate information from my credit reports. XXXX days later after receiving an updated credit report the information still has not been removed. So on XX/XX/XXXX I submitted my XXXX request to have this information corrected and deleted. As of today it has in excess of XXXX  days with no resolution. I am reaching out for your assistance in expediting this matter. 

Here are inquiries in question that need to be removed : These are reporting on XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XXXX XX/XX/XXXX XXXX did not authorize please delete. 
700 Credit XXXX XXXX XX/XX/XXXX I did not authorize please delete. 

These are reporting on XXXX : XXXX XXXXXXXX  XX/XX/XXXX I did not authorize please delete. 
XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XX/XX/XXXX I did not authorize please delete. 

These are reporting on XXXX : XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX XXXX XXXX XX/XX/XXXX I did not authorize please delete. 
XXXX MXXXX XXXX XX/XX/XXXX I did not authorize please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to seek remedy of the situation but would not help me correct these fraudulent an inaccurate accounts. 
1.XXXX  account # XXXX date open : XX/XX/XXXX balance : {$440.00} 2. XXXX XXXX account # XXXX date open : XX/XX/XXXX balance : {$320.00} 3.XXXX XXXX  ( original creditor:XXXX XXXX account # XXXX date open : XX/XX/XXXX 4. XXXX XXXX ( original creditor:XXXX XXXX ) account XXXX XXXX date opened : XX/XX/XXXX balance : {$100.00} 5. XXXX XXXX ( original creditor : XXXX  ) account # XXXX date opened:XXXX balanced : {$380.00}
Product: Debt collection

Company bought my account from the original owner of my account after it was already closed. This account was supposed to be forgiven under the Covid restrictions but was never updated. Now 3 years later Im getting re repetitive phone calls early hours in the morning late hours at night not only my phone, but my fiancs phone and it is getting very old
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1692 It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : XXXX XXXX - XXXX, XXXX XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, 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 to privacy and confidentiality under 15 USC 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 ) ( 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 believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX credit bureaus have an outdated " hard '' credit inquiry listed on my credit reports that is over 2 years old. 

The inquiry is from XXXX XXXX Bank on XX/XX/2016. 

Under the terms of the FCRA ( Fair Credit Reporting Act ), passed by Congress, a credit bureau must delete all credit inquiries that are over 2 years old.

In addition, the credit bureau must send the consumer an updated credit report, via USPS first class mail, showing that the outdated inquiries have been removed.

I have contacted these 2 credit bureaus to have them comply with the FCRA rules, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

I had a XXXX card which I paid off and this collection company kept harassing me to make payments that I don't owe. This is reflected in my credit report and I don't owe them any money.
Product: Checking or savings account

We made an attempt to adopt a dog via an online site that claimed to have dogs available to us. 
XXXX XXXX XXXX The payments were made via XXXX XXXX on XX/XX/2020. 
Upon receipt, the company claimed that the animal was being transported via XXXX XXXX XXXX. Additional fees were requested which we provided again via XXXX XXXX  on XX/XX/2020. 
After trying to track and get the animal shipping status, it became clear that this was fraudulent. We made attempts to contact the " seller '' to no avail. 
We contacted XXXX XXXX  on XX/XX/2020 and they stated that in these types of fraudulent cases, we should reach out to our bank for getting out money back. We received confirmation of this direction on XX/XX/2020. 
We contacted Wells Fargo and after two calls and one online dispute claim, they stated that their system did not have any errors so this is a non-issue. We received official confirmation of this XX/XX/2020. 
Claim XXXX : Investigation Completed. No online form is available. The bank claimed they sent a hard copy, which I do not have. 
Since we did not receive the animal that we were promised via signed contract, we should be able to get our money back.
Product: Credit reporting or other personal consumer reports

I am writing for the FINAL time about this right here because the law does not even require me to be trying to arbitrate with ANY of these credit bureaus! EQUIFAX is violating the law and me as a consumer! 

Literally why are these companies still able to incorrectly report after millions of dollars in lawsuits and after years of me complaining to you as well. 
A reporting agency may NOT report transaction history including amounts and dates. 

And, according to the IRS publications charge offs are reported as INCOME and MY INCOME SHOULD NOT BE REPORTED ON MY CREDIT REPORT. 15 U.S. Code 1681a. 
EQUIFAX is reporting my personal private information and I want it deleted from my report immediately. 

These are charge offs and should not be on my credit report period. 

What I am asking for is LAWFUL. I dont even know why I need to go quoting the law when you know it and should be holding these institutions account when they are violating consumers. Especially for the consumers that have already been consistently reaching out!
Product: Student loan

So from the beginning which is 2 years ago i tried to get a good plan with them but everything they offer just was plan for failure. So i start to pay what they wanted which was XXXX a month. Im located in XXXX tx so XXXX hit inn XX/XX/XXXX, i went to make a on XX/XX/XXXX payment like i always do every month and it said that navient was not taking payments my account was on hold. Month later i call to make a payment, samething my account was hold and of course navient never told me they would do this, so without my consent they put my account on hold XX/XX/XXXX came around and now they said im behind and that is XXXX now not XXXX and of course interest been piling up. So of course im beyond frustrated, but of course i continued to pay my debt. So XX/XX/XXXX i call to make payment for XXXX while im in the hospital and automatic machine is saying im behind payment, which i know i payed on XX/XX/XXXX, so now we are at XX/XX/XXXX and im not sure if i should continue with payments because im always seem to be behind but my bank statements said otherwise.
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 to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 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 ) ( 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 believe that the information is inaccurate.
Product: Credit card or prepaid card

Based on Veros Credit response in CFPB Complaint ID XXXX, As dated, XX/XX/2023, I, XXXX XXXX XXXX have no choice but to sue you. In addition, I will follow up with an opportunity to cure. Thank you!
Product: Checking or savings account

Tried to deposit check # XXXX for {$670.00} on XX/XX/XXXX at ATM at Wells Fargo. ATM malfunctioned and ate check. ( It didnot credit my account. ) Asked my customer to place a stop payment on check # XXXX and issue me another check # XXXX for same amount. 

Deposited check # XXXX on XX/XX/XXXX and successfully credited my account. 

On XX/XX/XXXX, bank issued a provisonal credit of {$670.00}. 

On XX/XX/XXXX bank, a returned check # XXXX in amount debited from my account. 

On XXXX, a reversal of provisional debited my account in the ampunt of {$670.00}. 

Note : Provisonal credit and an actual check deposit are not the same thing. There was never an actual deposit for check # XXXX. I have copy of returned check. Ive filed XXXX claims with Wells Fargo. They could not find a copy of check # XXXX or any letter that was sent. I have gotten local branch banker in XXXX to get involved. We sent proof of returned check and letter received in mail. Local branch agrees either returned check debit or provisonal debit should not have occurred on account. Two debits and two credits on account with no accounting for a check of {$670.00}. If check # XXXX, never register or was credited on account so how can there a return check debit? This would cancel any other check such as # XXXX on the account. A provisonal credit and debit occured together so those cancel each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a hard credit inquiry from Capital One that I did not authorize. I have since placed a credit freeze on my account. I would like the inquiry removed from my credit report and Capital One alerted on fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is updating the information on my credit report instead of fully investigating the accounts that are reporting false on my credit report