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

I have an issue dealing with a merchant on XXXX. I have attempted to resolve thie issue directly with the merchant and he refuses to respond. I was able to dispute some of the charges but not all of them due to them exceeding the 180 day mark. Now please read this part as it s important. There were payment installments made on one single invoice which is Invoice XXXX  from XXXX. Some of those charges can be disputed but others can not. Can you please dispute the entire invoice as it was only recently paid off back in XX/XX/XXXX? There are a few disputes already open so please refer to those.The total on the invoice is {$1300.00}. XXXX. 

XXXX and XXXX XXXX All of these charges are for the same product on the invoice which totals XXXX. These date back from XX/XX/XXXX to XX/XX/XXXX. 

I have attempted to dispute the transactions with Wells Fargo and they did not investigate. I have attempted to communicate with merchant with no response. Wells Fargo has helped me in the past with transactions and not sure why they are not helping me now.
Product: Checking or savings account

I have being denied access to funds in my account and account usage for three ( 3 ) weeks resulting in financial losses to me and my investments. 
I have called the bank no less than 7 times over this and the bank has refused to do anything in resolution.
Product: Money transfer, virtual currency, or money service

Zelle does not protect its customers and does not save us from scams. On XX/XX/year> I got a call saying my number was being used to make a Zelle and they were trying to take {$2000.00} from me. I believed it because Zelle accounts are so easy to make and they transferred me over to Zelle security. I almost sent them {$2000.00} because of how believable it was. The only reason I didnt was because of the email they wanted me to send it too which I also believe Zelle should have the powers to give me a notification that the email wasnt safe. Ive also had multiple instances where disputed payments were not easy at all. 
They need to be held accountable for all of their customers, like myself, who are vulnerable to these scams due to their lack of protection.
Product: Checking or savings account

Capital one closed all my checking accounts and savings account for no reason. I have over {$15000.00} in my accounts and capital one will not give XXXX XXXX reason or a time frame that my funds will be refunded to me. Every week I call customer service department and I get a different every time I call. Please help.
Product: Debt collection

MNet financial. I could have sworn this was previously addressed in another complaint with removal and credit deletion along with being on the national do not call registry Repeat calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never late on a payment however, there were ( 2 ) ACH payments that were credited back to my account. ( I have attached a copy of the bank statements ). There had been fraudulent activity on my account and when I saw the ( 2 ) ACH payments I disputed them with the bank. I was not sure who these transactions were from. I later discovered that the transactions were from XXXX. I immediately allowed the payments to process. I contacted XXXX and was assured the account was in good standing. Before I knew it the vehicle was repossessed. This banking error was through no fault of my own and consequently the reporting of the repossession on my credit report is in error. I have included bank statements as well showing that I did make on-time monthly payments as scheduled on this account. The false reporting of a repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX  as well as the bureaus to remove this line item however, I have not been successful.
Product: Credit card or prepaid card

Re : Fidelity Visa Credit Card, XXXX XXXX XXXX On XXXX/XXXX/XXXX I made an electronic funds transfer ( bill payment ) from my bank account to my credit card account in the amount of {$1000.00}. I did not receive an email confirmation on that day, nor the following day, nor could I find in my account information that a payment had been made. As such, on XXXX/XXXX/XXXX, I again made an EFT to my credit card account. 
Now, two debits of {$1000.00} are shown on my account, and apparently made at the exact same time on the same date. 
On XXXX/XXXX/XXXX at XXXX XXXX, I received 2 email confirmations showing debits of {$1000.00} On this date, I call XXXX XXXX  XXXX XXXX to request a cancellation or refund, and spoke to XXXX at XXXX XXXX+/- I was advised, in substance, that : This company is a bank, and unless someone shows up for work, no electronic confirmations will be made. XXXX will debit your account immediately, however, to return the inadvertent transfer of {$1000.00} from the float, it may take 10 to 15 days to correct the error.
Product: Debt collection

A cease and desist letter was written to Capital One about " alleged Debts '', which Capital One stated in a response letter that they honored. The letter they sent acknowledges they're accpetance of my Cease and Desist request. All communication in regards to the collection of " alleged debts '' shall cease and desist. 
Yet, I received a statement of " alleged debt '' from a billing cycle thats is after they sent acknowledgement of the cease and desist which is a clear violation of the Cease and Desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was totaled in XXXX of XXXX. The insurance company ( XXXX ) and XXXX paid in XXXX XXXX see attachments. 

XXXX shows payment received in XXXX and XXXX resulting in a Charge-off. Where did XXXX, get those payments from? 

Who made those payments on XXXX  accounting statements? 

XXXX shows the check was cashed in XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

CFPB Complaint XXXX XXXX fail to provide any documentation that I requested for them to provide. I really hate the fact that a company can respond to a complaint and isn't held responsible when asked for documentation to prove their response. Again I am asking for documentation that allows you to report consumer financial responsibilities to a third party. PLEASE PROVIDE DOCUMENTATION TO PROVE YOUR RESPONSE FROM COMPLAINT # cfpb XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already removed the XXXX XXXX XXXX  account due to identity theft since i sent in all the legal required documents. You MUST REMOVE IT AS WELL. YOU ARE PAST 4 DAYS SINCE RECEIPT TO REMOVE IT
Product: Debt collection

I have received a call from a blocked number ; I was told that I was being sued in a civil court due a credit card balance owed from XXXX. When I told them statute of limitations was expired in 6 years ( XXXX  ) they started using threatening words and I was given a number to call. They claimed to be an attorneys office XXXX ( XXXX ) XXXX. When I call they had the same exact attitude as the first caller. Threatening with a lawsuit ( they told me that they already filed a lawsuit ) and putting liens against my house. I believe the collection agency 's actions constitute harassment and violated my rights,
Product: Credit reporting or other personal consumer reports

1st. XXXX XXXX acct # XXXX {$27000.00} reporting late illegal information on credit report. 2nd. acct # XXXX XXXX XXXX  a balance that was paid by myself on XX/XX/2023 in the amount of {$110.00} and it showed up on my credit report. 3rd. acct # XXXX XXXX  amount {$940.00} reporting information illegally. 4th acct # XXXX {$500.00} never applied for a card or ever had an account with this company 5th acct # XXXX XXXX XXXX {$300.00} never had an account with this illegal reporting. 6th XXXX  acct # XXXX wont give any information on the account. 7th acct # XXXX XXXX  {$390.00} illegal reported. 8th. XXXX XXXX XXXX. acct # XXXX illegal reporting. 9th XXXX XXXX XXXX # XXXX never had a credit card with this company.
Product: Mortgage

I made 12 payments of {$1000.00} from XX/XX/2022 XXXX XX/XX/2022 ( I made two payments of {$1000.00} on XXXX ). Each payment includes {$270.00} that was made to escrow. So I made a total {$3200.00} to escrow on XXXX. 

My Beginning Escrow Balance on XX/XX/2022 was {$780.00}, the Additions to Escrow is {$3200.00} ( not {$3000.00} ), the PROPERTY TAXES is {$2200.00}, the HAZARD INS is {$1200.00}, and the ESCROW REFUND is {$510.00}. So my Ending Escrow Balance of XXXX should be XXXX + XXXX - XXXX - XXXX XXXX = {$110.00}, not - {$150.00} which shows on the statement. 

The balance of my escrow balance on XXXX is {$1700.00}. I made {$1000.00} on XX/XX/2022, and {$270.00} should be applied to escrow that results balance of {$2000.00}, and after {$2200.00} tax payment from escrow account, it would result a total balance- {$160.00} on XXXX ( Not - {$430.00} which shows on the statement for mistake ). 

The company didn't applied my payment on XX/XX/2022 to my escrow account. I contacted them to correct the mistake. The replied me something not relative to my concern.
Product: Credit reporting or other personal consumer reports

XXXXLENOX FINANCIAL MORT , has done an illegal credit inquiry and put I on my report
Product: Checking or savings account

I opened an account with Cash App ( XXXX XXXX  ) this account was strictly for shopping and I paid a couple bills. The deposits amounted up to {$800.00}. I went by transaction by transaction. Then I added all money spent on bills and shopping and that amount came to {$700.00}. They are telling me that I over drafted my account by XXXX?? Now in those deposits I didn't even include the roundups that is where they round to the nearest dollar amount and put it towards stocks. I have contacted them several times today XX/XX/2022 That the storage unit I paid charged me a late fee. that is a complete lie. Because I called the storage place and it was a debit. That means it went out instantly and there was no late fee. I have addressed the situation several times and each time its something new!. I am on a fixed income I have gone bankrupt. So every dime counts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, XXXX XXXX XXXX, is reporting late, yet it is close and the balance is {$0.00} as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor delete this complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection  ( 8 ) ( D  ). The specific information under dispute is the 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  XXXX  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 is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation within  5 bu siness days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report a s : 1.    XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3.  XXXX    XXXX  ACC BL {$430.00} This account is a error please delete.   4.  XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.    6  XXXX   XXXX   ACC B AL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.
Product: Debt collection

DEBT COLLECTOR IS CLAIMING I OWE THIS DEBT I HAVE NEVER HAD ANY ACCOUNTS WITH THIS DEBT COLLECTOR.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2019, I got a notification from my ID protection with XXXX that an inquiry for credit with Discover card had been made. I never applied for credit with Discover. I immediately called Discover, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and Discover the inquiry has not been removed. Discover and the credit agency is blaming the other for it still not being removed. XXXX and XXXX are the only two showing the inquiry. XXXX state they do not accept inquiry disputes from consumers. They refuse to accept the letter Discover Card sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be one point from getting a top tier interest rate.
Product: Payday loan, title loan, or personal loan

Received collection notice on XX/XX/XXXX for a {$300.00} loan originating from KMD Partners LLC XXXX CreditNinja XX/XX/XXXX with a due date of XX/XX/XXXX. My identity must have been stolen to obtain this loan, since I personally had never applied for the loan or received any of the proceeds. Also, the collection notice was the first time that I was contacted or became aware of this issue. 
I contacted the collection agency, current creditor ( XXXX XXXX, XXXX, and KMD Partners regarding the issue and it appears that the issue is still unresolved.
Product: Student loan

Once again..another problem with AES. Last month their system said I didn't make a payment and that I did not have a Direct Debit set up. Now this month I get notification that my payment is now two days past due and that NO direct debit is set up. I called AES and got a very snippy representative that said I received a letter. Note that two months ago, I asked that I receive hard copy mail and not electronic ( another FAIL by the lender ) as I note that I do have a letter from them canceling my direct debit. HOWEVER, they blame this on my personal bank. I spoke with my bank about this and they said they did not advise AES that it was not able to process the direct debit. 
I want my loans sold IMMEDIATELY to another lender who is responsible. 
I am asking CFPB to please take care of this. I am sick of this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the  following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXXXXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> for my car was broken into by local miscreant who stole my cash app card out of my vehicle, walked to a local XXXX gas station, made several attempts to withdraw cash and unfortunately the incompetent gas attendant assisted this thief with being able to withdraw {$220.00} out of my cash app account. I opened a dispute with cash app And included a police report within my file. I was denied six times of my dispute with no explanation and no further assistance from Cash App. They told me they could not help me. They have done this to me six times, totaling in {$690.00} of unauthorized transactions. I am ready to testify against XXXX XXXX, block, and cash app.
Product: Debt collection

As of XXXX ; My balance and debt to child support in the form of a loan that shows on my credit report has been terminated and now has a balance of " zero ''. I sent notification to the credit companies to show that I no longer owe this debt. I have uploaded the court order and its findings In its entirety showing that the account Is indeed closed and the balance is no more. on XX/XX/year> I receive notification that the balance has been validated and there will be no changes made. 
This to me is why no one can truly trust these companies. I have done my due diligence and taken care of the matter and supply a legal court document showing that the matter is concluded so simply get told that the matter is validated and it will remain when I get a document from the source itself.
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 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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 XXXX 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.