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

I am writing to formally dispute the inaccuracies on my credit report related to five alleged debts that Equifax claims are valid. Despite my good faith efforts to resolve this matter, Equifax continues to report these accounts, which I have identified as being due to identity theft. An FTC report is attached to this complaint. Equifax is expected to adhere to the contents of this report and take appropriate actions accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$580.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$640.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XX/XX/XXXX, XXXX 'XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I was told that I needed {$460.00} to clear a repossession order for being 70 days past dueXXXX  On dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made payments totaling {$770.00} ... They have still issued a repo order and I was told today that I have to pay {$250.00} today or my truck will be taken. I was further told that I'm 113 days past due, even though on XX/XX/XXXX I was told I was 70 days past due and needed only {$460.00} to clear the repo order XXXX I paid almost double what they needed to clear the repo, yet today I was told I'm in repo session status and 113 days past due
Product: Vehicle loan or lease

XX/XX/XXXX my son purchased a car from XXXX in XXXX XXXX TN. He signed the papers, paid a {$200.00} down payment, and they gave him the keys. On XX/XX/XXXX they called and said they needed additional paperwork. They wanted cancelled checks off his employers account. He told them that he would try to get this but that he didn't know if he could. He talked to his employer and was told they would get them ad soon as they could, but it took time. The car lot continued to call daily for these papers. We had given them proof of income in the form of paystubs and they said that was good when he signed the contract. They never gave him copies of the contract and we had to call and argue to even find out who financed him. They say he was financed by XXXX XXXX XXXX. Finally, after not being able to satisfy their needs for proof of income, he returned his car. Upon returning the car they refused to give him his down payment back or copies of the papers he signed.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
FIRST PROGRESS CARD I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

After I was a victim of a sofisticated scam and lost a high dollar amount of money from XX/XX/year> until XX/XX/year>, I reported this to Chases fraud department and complaints department. They did not refund me for the lost money. Even though I have copious amounts of evidence of this scam, Chase did not want to know about it. They did not want to refund me so they fraudulently conducted an investigation and came up with fake results in their favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXXXXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2020, ALLY FINANCIAL XXXX INC add a hard inquiry on my credit report per XXXX 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I disagree with account listed in attachment There are alot of inaccuracies thats are appearing on my consumer report affecting my ability to and i would like this immediately re-investigated the inaccuracy are highly injurious to my credit score capitol one in accordance with the fair credit reporting act public law 91-506 title VI section 611 Subsection A-D please provide the names addresses of each individual with who verified above including dates payment history and balance accuracy please send me a copy of my updated credit report after you're reinvestigation
Product: Money transfer, virtual currency, or money service

Paypal has single-handedly transferred from my personal wallet, unauthorized, and no advance notice for the business income I perceived. I have provided receipts of delivery and refunds for customers who did not receive their products due to delay during the earlier congested logistic delay due to Covid. Paypal reasons are always that they can't provide more information other than the fact that they think I have violated their " Acceptable Use Policy '', and that they can fine me for that and it is final, non-disputable. I couldn't even know which policy was violated as I have been diligently following their terms and giving my best for my customers. Below is the effort that I have tried to negotiate with PayPal. 1. Due to the Early covid response, USPS, our logistic provider was closed down for a few weeks, causing the backlog in delivery. 2. We have provided refunds for both customers who did not receive the item ( and open a dispute ) and those who were late receiving the items. 3. We have evidenced and USPS tracking number that our items delivered to the customers. 4. Paypal took control of my account and transfer all the money I have I have in my virtual wallet, which amounted to {$10000.00}. I believe this is illegal and a breach of Privacy since they access my personal account and control it according to their whims. Sincerely, XXXX XXXX
Product: Checking or savings account

I was expecting 2 reimbursement checks to arrive from my employer, I contacted my employer on X/XX/17 because I had not received the checks in the mail. My employer advised me that the checks had been deposited in someones account, and my employer sent me an image of the fronts and backs of the checks, which showed a forgery of my name and the statement to deposit the funds to the account of XXXX XXXX and a signature indicating the name XXXX XXXX. I drove to XXXX XXXX XXXX to inquired since the checks were issued on a XXXX XXXX XXXX account. While at XXXX XXXX XXXX we discovered the checks indicated they were cashed at a Wells Fargo. I went to Wells Fargo and they told me they would not file a claim for the theft and would not be looking into the issue, they would not take any information on the issue eventhough I was offering them the images of both sides showing them the account number the checks were deposited to. So as the victim of theft and forgery I filed a police report and have provided the check images to the police department as Wells Fargo clearly will do nothing. XXXX  XXXX XXXX branch, the XXXX XXXX XXXX Fraud Department, and the police department all indicated Wells Fargo is difficult to work with and that they do not respond in a timely fashion.
Product: Credit card

To whom it may concern regarding case # XXXX. The fraudulent transactions were for 2 purchases made at XXXX XXXX XXXX outside XXXX XXXX for {$3100.00} and {$3300.00}. 

I am requesting that the funds taken out of my account by criminals - or whoever committed this crime against me- are returned to me immediately. I have spoken to XXXX, XXXX XXXX and XXXX representatives who talked to me to understand my situation and helped resolve this matter for me favorably. Apple Card has been nothing but unhelpful on this matter and would not talk to me so I can explain my situation. 

In this report, you will find the following documents that I have used as evidence. 

A full police report that I submitted to XXXX XXXX from the XXXX XXXX Police Department outlining the crime committed against me A letter from Doctor XXXX XXXXXXXX XXXX outlining that I spent a night under XXXX XXXX XXXX following an accident ID Theft Report that I submitted to the Federal Trade Commission with details of this criminal act against me I have included various emails from both XXXXXXXX XXXX and XXXX XXXX showing Fraud Alerts that they sent me for transactions attempted by these criminals during the same time period. 
I also included letters from XXXX, XXXX and XXXX confirming that they ruled in my favor and refunded me for the fraudulent transactions when I disputed them Proof from XXXX XXXX that I traveled to XXXX from XXXX on Thursday XXXX of XXXX and returned on the morning of the XXXX of XXXX Some background information on me including a screenshot of my XXXX Profile and extended resume. I added this to prove that I am an ordinary and decent person and not a criminal or fraudster. 

I beg you to call me ( XXXX XXXX XXXX ) to talk through this and I can explain anything you need me to. I appreciate your help in resolving the matter. This matter has caused extreme stress for me during a difficult period of my life. 

Regards, XXXX XXXX XXXX
Product: Debt collection

This is something that has already been negotiated an paid through a credit specialist and I have not opened anything with anyone in 2015 for that amount of money not paying XXXX twice this needs to be corrected!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I no longer have any student loan accounts with FedLoan Servicing. The balance should be reporting as -0- on my credit report. Their information is as follows : FEDLOAN SERVICING XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

Last week, my brother sent money to my Venmo account to repayment me back for the money that he borrow XXXX cash from me back in XXXX. Venmo has previously closed my account due to violation of their term of service without any explanation of what I violated back in XXXX. So, I closed the account and open a new account but was hitted with same violations when I tried to enter my bank account to make a transfer. Once again, Venmo provided no explanation for why they flagged my account again and they deactivated my account with money still in there unabke to transfer it out or send it back to the sender. I believe this is highly unethical and should be looked into. Both my brother and I are out the money.
Product: Debt collection

I noticed some unauthorized accounts on my credit report after a recent review. Please remove these fraudulent entries, as they are damaging my credit standing. 

XXXX XXXX XXXX - {$2400.00} XX/XX/XXXXXXXX XXXX XXXX - {$2600.00} XX/XX/XXXXXXXX XXXX XXXX - {$4000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$9000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX - {$750.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$2400.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - {$4900.00} XX/XX/XXXX
Product: Debt collection

On XX/XX/2023 I paid a past due debt with Aspire credit card. On XX/XX/2023 I received a letter from XXXX XXXX regarding this debt as unpaid. On XX/XX/2023 I reached out to XXXX XXXX and was directed to call Aspire. I then chatted online with XXXX from Aspire and was directed to call XXXX XXXX. I once again called XXXX XXXX and told I still owed the debt. I tried to tell them I did not and the account was paid and they argued and then hung up on me after transferring 4 times.
Product: Money transfer, virtual currency, or money service

I have an account with PayPal credit and I made XXXX payments, {$300.00} on XX/XX/XXXX and {$840.00} on XX/XX/XXXX. Then I received an email stating my account was part due. Thats when I discovered I made the payments to the wrong account. I called PayPal credit and they said if I proved the payment was made, they would credit my account. So the bank did that, XXXX times now. On XX/XX/XXXX, I made the payments again {$300.00} and {$840.00} to avoid fees and charges. It has been XXXX months now and the bank has given all information to PayPal credit they requested XXXX times. They assured me I would get a refund but instead of tracing the payment by the trace number, they are using the amount abs they keep finding the XXXX ones because its in the correct account. They provided a phone number to call but its a number that keeps saying they are closed no matter what day and time you call.
Product: Debt collection

BB & T Bank continues to wrongfully and illegally pursue collection activity on an overdrawn checking account opened fraudulently in my name in an identity theft scheme, a scheme BB & T is currently investigating as of XX/XX/2021, and contrary to verbal assurances made to suspend collection efforts during the pendency of their fraud investigation. Upon information and belief this conduct violates, among other laws and regulations, the Fair Debt Collection Act, section 5 of thr FTC act, which prohibits unfair or deceptive acts or practices in ir affecting commerce, and further constitutes an Unfair, deceptive or abusive act or practice under the Dodd-Frank Act.
Product: Checking or savings account

nd it stated it was temporarily unavailable. I received a text from my bank, wells fargo, asking me to verify the transaction. I hit yes. No money was received because the atm had already denied it It told me I could try again. It denied it a second time. On the third time it let me access the money, however, the other two times were posted to my account and withdrawn. I called wells fargo immediately and filed a complaint. The complaint was filed incorrectly as " charged twice '' on the card. The claim was closed ( no notification to me. When I called to check this, I was told the claim had been filed incorrectly and he would open a new claim for the same thing and word it differently because wells fargo had blocked the transactions and the money was not received twice before I confirmed they were legitimate, yet still debited from my account. He did this on XX/XX/XXXX. This was pertaining to the claim that had already been filed and is not a new claim. 
On XX/XX/XXXX I used the same atm again on vacation and the same thing happened. It stated my withdrawal limit had been reached and no money was dispensed, however I was charge XXXX and so I filed a second claim related to these atms after it posted on the XXXX. I will not be using any atms at this resort again. Again the claim is incorrect as it states " charged twice '' Today I received a call stating my account was being closed and my debit card revoked and was told I had XXXX claims with false statements. None of this is correct. I have been a customer for over 30 years. I have made over {$300000.00} worth of deposits in my account this year alone and have brought my husband on to my account. I have an excellent credit score and because their employees filed claims incorrectly I have been flagged as a risk and told my account will be closed in XXXX days. I was not offered to open a new account or a new card. I should be able to use atms and my debit card whenever I choose as long as my daily limit is not exceeded.
Product: Student loan

I believe I was wronged by Navient in several ways. Number one occurred in 2014 when I was not adequately informed of my obligation to re-certify my income status. They did not make any effort to ensure that I completed it in time, and, as a result, {$6500.00} in interest capitalized and was rolled into my subsequent income-based repayment status. They did not adequately inform me ( 1 ) of my obligation to re-certify my income status by the deadline they provided and ( 2 ) of the repercussions of not doing so ( that my interest would capitalize and payment would skyrocket ). 

At the time, I was told that there was nothing I could do about this. However, after seeing your lawsuit, I realized that I was wronged and misled. Thank you for your help in bringing this issue to light.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I looked at my equifax credit report and noticed XXXX inquires I didn't authorize.i called equifax and they said they would remove the unauthorized inquires and they didn't remove them.under the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all unauthorized inquires on my equifax credit report.please delete them immediately or pay me {$1000.00} per unauthorized inquiries.you can mail my check to address on file.
Product: Credit reporting or other personal consumer reports

My information was apart of the equifax databreach and i have requested for it to be removed and nothing hads been done about it.
Product: Checking or savings account

Before opening a checking account for a promotion, I needed to make sure I understand the limitation correctly. The limitation was : You are ineligible for the respective bonus if : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past 12 months. 
You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past XXXX months. 
I needed to find out specifically, when the XXXX months period starts, as it was not clearly and explicitly stated In the clause, compare to other banks, which use the same limitation and clearly state in the clause, when the XXXX months period starts ( XXXX XXXX, for example ) XXXX XXXX XXXX ). 

Today, on XX/XX/year>, at XXXX XXXX  I spoke to XXXX XXXX, identified himself as personal banker, at the local branch located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX I asked him MULTIPLE times, very specifically to clarify this clause, after clearly pointing explaining him what promotion and letting him find it. 
He clearly, multiple times confirmed on recorded line that the 12 months period mentioned in both clauses STARTS from the day of OPENING of the previous account, I.e. XXXX  months between the dates of OPENING of the previous account and the next one. The conversation was recorded and can be confirmed. 

I request XXXX XXXX to CLEARLY address, whether the statements above made by the Wells Fargo representative mentioned are correct specifically that the XXXX months limitation period begins from the date the previous account was opened. 

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

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

The following items listed below are unknown to me. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Product: Payday loan, title loan, or personal loan

We have a Buisness Loan with Wells Fargo ( XXXX # XXXX Acct # XXXX ). During COVID we were not required to pay on the this loan for several months. This Buisness Loan is under XXXX XXXX XXXX XXXX XXXX XXXX The loan matured on XXXX/XXXX/XXXX. There was a remaining principle ammount of {$20000.00}. There were funds in the account to make the monthly payment but, Wells Fargo did not take it. I have been to my local Wells Fargo Bank in XXXX every week since this occurred. 

The local Wells Fargo Bank ( POC : XXXX XXXX. XXXX ) intially filed a complaint ( # XXXX ). After a week I got a call from XXXX XXXX in the resolution department for Wells Fargo ( XXXX ; Complaint # XXXX ). We were told that that our relationship manager would have to make a Loan Modification or extension. This would come from a Commercial loan Representative because, the loan was a Commercial loan. I was instructed to return to my local Wells Fargo Bank. This time the Bank branch manager got me two points of contact in the main office ; XXXX XXXX ( XXXX ) & XXXX XXXX XXXX XXXX ). I waited 3 days as requested and began to call weekly. All I got was voicemail with XXXX XXXX. No one every has called back. 

I went back to my local Wells Fargo Bank and asked what to do. The bank Manger E-mailed both XXXX XXXX XXXX XXXX. We have heard NOTHING. It has been over a month since our last statement. 

I request assistance. We do not want to default on this loan. We can not afford to completely pay off the reamining balance of {$20000.00} that occurred because of the Cares Act. We are afraid that not only are they going to take my buisnesses building but, also my home that was used as collateral for this loan decades ago. Yes, my home is payed off. 

Please Help!