23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

I was a member of Wells Fargo for 4 years and believes they would hold my deposits past the time and make me overdraft
Product: Student loan

I had already submitted a complaint here but havent heard anything. 
I have consolidated federal loans with Fedloan servicing and I am enrolled in the loan forgiveness program. I had unfortunately needed to do a XXXX  XXXX bankruptcy in 2013 for 5 years I talked to fed service about the loan forgiveness at that time or before I believe when it was XXXX maybe. Anyway during the XXXX  XXXX I demanded that my stir T loans be paid during this time to ensure I would be getting credit for the months while in the 5 year bankruptcy which I did I faithfully paid my monthly payment automatically through the bankruptcy liaison for the 5 years. Then I was told after the 5 years that because they ( fed service ) didnt have me in the right program that none of those payments would count. Then with Covid relief I was told that those payments would count and that someone would be reviewing and would let me know. Well they said that they still dont count and XXXX will b paying for another 8 hears on my 10 year plan ( Im a XXXX  and qualify for loan forgiveness ) I asked to speak with a supervisor and they gave me one and she said oh we shouldnt had taken any money from you and we will b reimbursing you all the money u paid in. ( which they never did ) I really would prefer to have the months count towards the Temporary loan forgiveness guidelines. Ya know I am in this ridiculous mess from my XXXX loans which I believe were originally only round XXXX I was misled also as I was originally told they would all b forgiven if I stayed in maine.and the interest rates are ridiculously high I will never get ahead Please help. 
XXXX XXXX XXXX
Product: Debt collection

NBS is trying to collect from a car incident for a car I do not nor ever have owned. 
Claim # XXXX Amount {$11000.00} They claim I own a XXXX XXXX XXXX and because my son used an old address of ours from Pennsylvania for registration and he is XXXX XXXX XXXX. I explained this to the guy on the phone, he said " too bad '', your name, your address, your car. I have not lived in PA since XXXX. Owned a townhouse until XX/XX/XXXX, for visiting. Not sure how to get my name off this claim. The incident supposedly occurred on XX/XX/XXXX. Again, not me, I live in Texas, never owned a XXXX XXXX and surely was not in Pennsylvania in XXXX. 

What recourse do I have? How do I proceed? 

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

XXXX, XXXX, and Experian keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

*According to 15 USC 1681 ( 5 ) XXXX XXXX XXXX XXXX and Experian have to modify or delete accounts that are not reporting accurately *According to 15 USC 1681b ( 1 ) XXXX, XXXX, and Experian don't have no written premission *According to 15 USC 1681 I have the right to privacy *According to 15 USC 1681s-2 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 ( it ) the information is, in fact, inaccurate. 

I can go on and on XXXX, XXXX, and Experian have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Dispute my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without proving any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides customers with the necessary proof of investigation. 

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Product: Debt collection

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My partner and I were in the process of closing on the parcel of land and we received an email from a fake escrow company who spoofed the contacts of our real escrow company representative. Fraudster sent us wiring instructions for full and final payment in order to close on the property. He/she knew the approximate closing amount and details/contacts of people involved. We wired the money believing it was our escrow company and the timing and the amount were right. Needles to say we lost {$55000.00}. We filed a police report with XXXX Police DEpartment and notified our bank ( XXXX XXXX XXXX  ), but the biggest problem was the recepient's.fraudster 's bank - Chase Bank. For some reason, Chase Bank allowed the registration of a business account with exactly the same name as already exists and which requires a EIN or XXXX  to register as a business account or allowed a personal account to appear and position itself as a business account. How does a personal account have the ability to be called XXXX XXXX XXXX? How do you register a business account without proper vetting of XXXX/EIN and ways to go after the impostors? It was impossible to contact anyone at Chase Bank to notify them of this scam. I have witnesses and recorded conversations with Chase representatives who ended up transferring me multiple times as they didn't know what to do and how to work this situation ( unless you have a Chase account, they can not help even filing a complaint or a claim. How is this legal? Try calling Chase to report fraud from your account to a Chase account- it is a logical and mental roller-coaster. It took Chase 7 weeks to finally respond with " Hold Harmless and Indemnification - Denial Notice '', saying that " there are no available funds '' to recover from the scammers account. No way, really? it took you 7 weeks to figure it out? Why couldn't it be done same day? maybe put a freeze and investigate instead of waiting a month to look into things? How is this a normal business practice? Who is supposed to facilitate safe and fair and just business practices in order to prevent fraud in this country? How can I safely work and invest in our economy for the betterment of this country and my family and my community? I am a XXXX XXXX  trying to provide for XXXX kids, working hard every way just be taken advantage of not just by no-good fraudsters but by the institutions which are supposed to protect people. I any third world country this issue would have been resolved in a matter of minutes, not even hours ; why does it take almost 2 MONTHS to look into this in the safest and business friendly democracy on earth? Who is going to give me back my health that i spent working for that money? 
How is it legal that I cant easily report fraud to any institution even if i dont hold an account there? How account like that is allowed to be open in the first place if there is no recourse for financial abuse? Who makes these rules and governs this circus? In my letter to CFPB | wanted to ask for your help but I'm not XXXX  or XXXX  so I don't hold my breath, I simply lost all hope.
Product: Mortgage

I recently submitted a complaint to Wells Fargo bank and once again Wells Fargo did what Wells Fargo does best, they once again said that they will not be able to forgive my loan because I used the money from the equity line of credit a Wells Fargo Banker open on my behalf without my permission. This is the tactic Wells Fargo has used to increase its profits. As I explain in my previous complaint, back in XXXX I refinanced my house with Wells Fargo, after my refinance went through I received in the mail an approval for an equity line of credit, I confronted the bank about the situation and they told me that the equity line of credit was a product that came with the refinance, which later on I learned it was a complete lie. In order to open an equity line of credit I would have had to sign in front of a notary and I NEVER did that, in fact when the banker showed me the paperwork the signatures from the Equity Line of Credit did NOT match my signature from my refinance documents, the bankers forged my signatures, anyway, that is not the worst part, the worst part is that in XXXX there was a housing financial crisis, my family and I, as well as thousands of other American families where struggling to make their payments, that is when I decided to use the equity line of credit A wells Fargo employe had open for me without my content. 
I have told Wells Fargo on many occasions that I did, in fact, used the money, however, if the Equity line of credit wouldn't have been opened without my content I wouldn't have used it and wouldn't be in this situation today. 
When I've been to the Wells Fargo branch to make my complaints about this situation the bankers had confessed to me that yes in fact they were pressured by Wells Fargo to open a certain number of accounts on a daily basis in order for them to keep their jobs. 
Wells Fargo has admitted to its wrongdoing of opening the equity line of credit without my permission and they have sent me a {$50.00} check since XXXX I have paid Wells Fargo over {$90000.00} in interest I don't believe a {$50.00} check will do much. I am asking Wells Fargo to forgive my loan as I am a retired veteran that is truly struggling to make ends meet.
Product: Credit card

so I bank with FNBO banking with a credit card from XXXXXXXX i got a late fee with them which was XXXX dollars I thought there was a bill signed by biden that will cap on late fees to XXXX dollars why are they allowed to still charge me more than XXXX dollars please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, my SS # is XXXX. I am FILING THIS COMPLAINT TO XXXX XXXX FILE # XXXX I HAVE A FEW ISSUES WITH FURNISHED ITEMS ON MY REPORT! Please send me the name and address of the provider or furnishers providing this data, and the manner in which it was provided so I can conduct my own research with additional legal remedies. FCRA requires a reasonable procedures to assure 100 % accurate the information on my credit report. I request you verify the items disputing without a simple computer generated inquiry, XXXX  or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. FCRA Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. I DO NOT CARE TO USE Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. PLEASE DELETE THE FOLLOWING UNKNOWN ACCOUNTS :  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card

We purchased a ring from Helzberg Diamonds for my wife on XXXX XXXX, 2016 and opened a credit card account that night with Capital One to save 10 % on the purchase. Helzberg did not give us a 10 % discount but rather a 5 % and 5 %. After the sale we turned around and wrote a check to have a zero balance on the credit card. It was a beautiful ring but unfortunately we took it back because the stone was not changing colors ( XXXX ). I received my money back immediately that was paid from a debit card. I called Capital One when I received the credit card in the mail and canceled the account. I received a letter in the mail dated XXXX XXXX, 2016 stating that the credit card account was closed. I was also told that I should receive the money back we paid from using the credit card within 10 days. I have called several times because the check was not in the mail and I was told each time it was. I also received a billing statement from Capital One that was dated XXXX XXXX, 2016 which shows a credit on the account. Finally on XXXX XXXX, 2016 I spoke with a manager and Capital One who informed me that my check would be overnighted and would arrive on XXXX XXXX, 2016 due to XXXX. I told her that would be fine. I check the mail today and still no check from Capital One. I called and spoke with a different manager today and she told me that the check was not even in the mail. It has been 27 days since the ring was returned and I still do not know when I will receive my money back from Capital One. My wife and I will never make a purchase at Helzberg Diamonds again. We will also never use a credit card that has anything to do with Capital One.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Account Paid in Full Yet Negative History Remains The account shows a XXXX balance and states that I have " paid off 100 % '' of the loan. However, it still reflects late payments, which is misleading and violates 15 U.S.C. 1681e ( b ), requiring maximum possible accuracy.

Payment History Errors The report indicates that I was " 60-89 days late '' despite the account being fully paid. If there were late payments, they should no longer be negatively impacting my credit file after account closure.

Unverified Late Payments and Reporting Beyond Closure No valid documentation has been provided to substantiate the late payments. Reporting unverifiable negative information violates FCRA regulations.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Balance XXXX {$2100.00} XXXXXXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Original creditor XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX : {$980.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$520.00} XXXXXXXX XXXX  XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Balance : {$900.00} ( Original Creditor : ) XXXX Balance : {$500.00} ( Original Creditor : ) XXXX Balance : {$500.00} XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Hard Inquiry Dispute Dear XXXX, Equifax, and XXXX XXXX Reporting Team XXXX XXXX XXXX XXXX to formally dispute the unauthorized hard inquiries appearing on my credit report. I did not authorize these hard pulls, and I request that they be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

The following hard inquiries appear on my credit report and were made without my knowledge or consent : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX BANK XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX Credit XXXX Bank XXXX Inquiry Date : XXXX XXXX XX/XX/XXXX Under XXXX U.S.C. 1681b ( f ), it is unlawful for any person to obtain a consumer report without a permissible purpose. I have not applied for credit or authorized these entities to access my credit report. Therefore, these inquiries are a violation of the FCRA. 

I kindly request the removal of these unauthorized inquiries from my credit file. Please complete your investigation within the 30-day time frame required by the FCRA, and notify me of your findings in writing. If you need additional information to investigate, please let me know promptly. 

Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

I applied for a XXXX  credit card a few weeks ago and today XX/XX/20 I received a letter in the mail stating that the reason I was not approved for the credit card is because there are accounts in negative standing appearing on my credit. I didn't know what accounts they were referring to as I looked through my credit report and I saw two accounts that are not mine. The account names are XXXX XXXX XXXX and XXXX XXXX XXXX. Neither of those accounts belong to me ; I did not open them and I did not give anyone permission to open them in my name. I do not have any type of written or verbal contract with those companies nor did I benefit anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a complaint with the Consumer Financial Protection Bureau as well as a police report.
Product: Vehicle loan or lease

I filed a chapter XXXX bankruptcy and my auto loan was included in the bankruptcy my Bankruptcy discharged and I was never notified from GM what needed to be done and they repossessed my vehicle without calling or sending me any correspondence I reached out to them and the rep stated by bankruptcy discharge was denied and that is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity had been stolen, I person had been using my identity and opening accounts in my name, there is a particular one from XXXX XXXX, XXXX showing as a collection, I have not knowledge of this account there for it should be removed. 
A police report with XXXX police department report # XXXX had been filed and an FTC   complaint as well.