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

On XX/XX/XXXX XXXX XXXX XXXX, the Human Resources of XXXX XXXX XXXX, XXXX address as following XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. 
Web : XXXX sent me an appointment letter to work with his company to collect the company amount from their clients in USA and XXXX then to send them the money after I deduct my percentage 10 % only from each collection, therefore their client going to pay check to me and I suppose to collect all this dues amount the transfer it to them according to XXXX XXXX   instructions, thus they send me the first invoice to XXXX XXXX XXXX of the amount of {$280000.00} and XXXX XXXX  asked me to contact him to start the payment on behalf of the company XXXX XXXX XXXX, XXXX then I did that and I contact XXXX XXXX XXXX to start paying his due amount, the gentleman asked me to pay partially on weekly bases and he sent me the first check from Bank of America which my account too so it will be so easy to collect the check within 24 hours only, so he send it from XXXX to my address in Virginia via XXXX XXXX with the following information Proof of Delivery Dear Customer, This notice serves as proof of delivery for the shipment listed below. 
Tracking Number : XXXX Service : XXXX XXXX XXXX Shipped/Billed On : XX/XX/XXXX Delivered On : XX/XX/XXXX XXXX XXXX. 
Delivered To : XXXX, VA, US I take the check and deposited in my account specially its under my name, the next day ( XX/XX/XXXX ) the bank of America credit the amount {$22000.00} to my account then hold the same amount again till they investigate the check. 
today at XXXX XXXX I am trying to use my debit card to fill my car with the fuel I notice that my debit card is denied I called the bank of America customer service they informed me that they close my account because of a fraud check deposited in my account on XX/XX/XXXX, I explain the story to the bank officer on the phone he said I am victim and I should report a case immediately. 
That is what had happen sine XX/XX/XXXX till now.
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 USCS 1681. 

These are the inaccuracy to stopping me to get the ability for apply new Car Loan, applying for the credit cards or in the future to apply for a Mortgage or personal Loans, All of these Accounts has violated my Rights. 

These are my CLOSED CREDIT CARDS with Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S -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 requested my 3 reports through the online portal a month ago but have not received any.
Product: Debt collection

I have received attempts to collect a debt via mail that is not mine. The name on the debt is XXXX XXXX ( my name is XXXX ), date of birth does not match mine, and address listed on original debt is not anywhere I have lived. I have asked this company to quit contacting us at this address twice. I filled a cfpb complaint back in XX/XX/2023 and received a response that I would not get any more communications from this company, yet I just got another letter from them, dated XXXX.
Product: Money transfer, virtual currency, or money service

On or about XXXX XXXX I sent a letter to Wells Fargo Bank that I had been scammed, of approximately {$130000.00}. Dollars. And that I had wired the funds using their services. As of today XXXX XXXX I have not received any response to my petition for assistance, I have submitted attention to their complaint department to no avail. It appears to me they have chosen to ignore my pleadings.Since XXXX of XXXX Wells Fargo has closed my account. Your time and consideration in this matter is greatly appreciated. 
Thank you sincerely XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to LexisNexis online to request a copy of my Consumer Disclosure Report in XX/XX/year>. It said I should wait 2 weeks to receive it. Today, XX/XX/XXXX, I called to find out where my report was 5 weeks later, and the lady said I didn't request it properly. That would be a lie. I filled out their form online in full, and they had my address, email address, and phone number to contact me, if what they said were true.
Product: Student loan

My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Student loan

I have been working with XXXX XXXX for about a

year regarding various issues with my loan. I was told my new payment would be {$5.00} per month. Its {$50.00}. Ive left messages several times and no one will return my call. The NAVIENT website also said I had a payment due in XX/XX/year> but the electronic statement says XX/XX/year>. 

In addition my statements are not being mailed to me. I need my statements mailed. I decline to have them sent electronically each time I log in.

My loans are being transferred to XXXX in XXXX and I want things to be correct before they transfer.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i have a fraudulent account on my report.please remove thes account from my credit report is hurting my ability to obtain credit.
Product: Debt collection

XX/XX/2019 FOR THE AMOUNT OF {$730.00} AND WAS PLACE FOR COLLECTION
Product: Credit reporting or other personal consumer reports

This account was discharged in XXXX  XXXX Order of Discharge that has been furnished multiple times to credit card company and to XXXX, experian and XXXX credit bureaus.
Product: Credit card

I received a statement for a card I never opened. I never received a card. It was a bill for {$250.00} ( XXXX annual fee, XXXX for credit protection fees ). Account number on bill was only XXXX. When I called number on bill, I was asked to give my Social Security number only. Could not connect without giving that number. That is a fishing attempt. I want this account closed and all credit agencies notified this was an unauthorized opening of this account. I want detailed conformation sent to me in writing that this was opened without my consent and closed and all credit agencies have been notified.
Product: Debt collection

Auto turned in at lease end. Bill for chargeable damages received 2 months later, including {$400.00}. for " missing '' cargo cover, actually returned with car in its storage slot beneath the cargo area floor, and about {$300.00}. for paint damage which likely occurred after turn in. 

Contacted dealer, Toyota Financial Services, and collection agency on several occasions to dispute charges, but they failed to contact me as promised and reported the account to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I've sent multiple letters concerning the incorrect personal information that is reporting on my credit report. I have sent copies of my my drivers license and proof of address. I get no response from credit bureau and no change to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has Violated my rights. 



Details of the Fraudulent Account : Account Name : XXXX XXXX XXXX Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Georgia, XXXX
Product: Vehicle loan or lease

I have had a on going issue with Wells Fargo for 5 months and today I get 3 separate responses to these complaints on here from the same address all written on XX/XX/XXXX all mailed XX/XX/XXXX 2 of the letters say they need more time XX/XX/XXXX the other says I am not eligible for a refund, which I have already gotten XXXX and I am in no way happy with such a low amount I lost my truck filed bankruptcy at my expense and wells is to be making this Right????? XXXX more in a check or outside mitigation. 
Thats the least you can do
Product: Credit card or prepaid card

I pay the balance of my Chase Bank XXXX XXXX credit card ending in XXXX online each month. A small balance was due on XX/XX/XXXX. On XXXX XXXX I attempted to sign-in to my account to initiate the payment but was blocked by a message that my computer was not recognized. Apparently, when I recently reinstalled XXXX on this 3 year old computer that made it appear to be a different device. 

The Chase security program asked for a cell phone number to text or call me with a so called verification code. The code would reauthorize my account and allow me access. Another option for Chase was to email me the code but there was no place to enter my email address. In desperation I called the telephone number for customer service. The customer representative said I could not be verified without a call or text to a cell phone. It made no difference when I mentioned my cell was damaged and had not yet been repaired. So I asked for a call to the landline at my residence but was rebuffed. " We can't do that, '' she said. 

I mentioned that my balance was due in 2 days and I wanted to pay timely to avoid a late charge. The customer service rep said she would have another person in security call me within 48 hours. I did not receive a call on my landline from Chase. I was forced to use the bill pay feature of my checking account at another bank to pay the balance. 

I tried to access my credit card account today and encountered the same situation. I would like to be able to access my account in case there is ever a need to dispute a charge. Currently, I have no access and Chase has done nothing to assist me. Other institutions do not require a cell phone to bank with them. For verification they ask for answers to security questions the customer has selected and provided the answers. Why Chase could not follow suit, since they have security questions for me and the answers on record, is ridiculous and unfair to the customer. Not everyone wants or needs an expensive cell phone or the ability to send text messages. I'm XXXX and living on a fixed income. Please help.
Product: Checking or savings account

New checking and savings accounts were opened today under my name, SSN, and mailing address, with Huntingdon Bank. For some reason I received notification of the new accounts via a rarely used XXXX  account in my name. When I called the bank they confirmed the new accounts, that they were opened today, and they were associated with an email address and phone number that are not mine - XXXX, and XXXX. I confirmed my identity with the bank, indicated that I had not opened the accounts, and they initiated an internal fraud investigation. I have no prior or current accounts with this bank.
Product: Checking or savings account

Chase bank shut me down a year ago for no reason. I would like my account to be reinstated or I would like to open a new account.
Product: Debt collection

Upon presenting a personal check on XXXX separate occasions, merchants being, XXXX, and XXXX my. Check was refused. Advising me ceretgy advised them not to accept my check and that i need to contact ceretgy i did so XXXX times and each time i was told there was nothing in their system indicating a bad check. Or a debt in collection nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

-Collection company reporting false and erroneous information on my credit report that I owe a debt -Never notified and have no knowledge of original debt -this debt does not belong to me -company named as original creditor of XXXX XXXX XXXX does not exist -debt has been disputed with experian as accurate with no information supplied to me including original dates of debt, any signed contracts, or proof that I owe a debt to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in XX/XX/2020 for XXXX  to investigate on US DEPT ED- XXXX & XXXX & another dispute on XX/XX/2020. US Dept Education is in violations of my rights by the following collection/charge off account, with an account number of XXXX on my credit report is claiming to have Balance amount higher than the actual High Balance amount. As you know this is inaccurate which is a violation of my rights..
Product: Vehicle loan or lease

On XX/XX/2023 I was In a car accident that resulted in a total loss. I had a title loan from Wilshire consumer credit which reports on my credit as an auto loan which is not correct. I owned this vehicle before getting a loan with Wilshire consumer credit yet they have been reporting this as an auto loan. I spoke to a representative on XX/XX/2023 to let them know I was in the hospital and was in a XXXX XXXX with me and XXXX XXXX children age XXXX and XXXX. And asked if I can have an arrangement set up to pay off remaining balance in XXXX. They refused to accommodate me in any type of way and reported that I was late on this payment in XXXX. This is drastically hurting my credit report and I would like this corrected. I asked if I could push a payment to the end of the loan I was told no even though my contracted stated I could. I asked on XX/XX/2023 if they could removed this late payment from XXXX after I paid the full balance off the title loan In XXXX and they also told me no. However in my portal on their website they are reporting that I paid the vehicle off on XX/XX/2023 and I will attach proof how can I paid this car completely off on this date when my accident was on this date XX/XX/2023 this agency is reporting things fraudulently and inaccurately and has been reporting as an auto loan to my credit when I owned my vehicle outright before getting this loan. They are reporting this fraudulently as this is a title loan not an auto loan for purchase. title loans do not report to consumer reporting agencies and they have been reporting as such. I would like this late payment from XX/XX/2023 removed from my credit report as this is inaccurate information. I would also like this fraudulent auto loan removed from my Consumer report all together as this was a title loan and not an auto loan. As for law 15 u.s.c 1681 this is defamation to my character and Credit report.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against Credence Resource Management regarding their actions concerning account number XXXX. The collection agency has egregiously violated my rights as a consumer under the regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

According to my understanding of the aforementioned regulations, Credence Resource Management has failed to adhere to the following : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This section stipulates the requirements for providing notice to consumers. Credence Resource Management has not provided me with proper notification regarding the collection activities related to account XXXX. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation outlines the specific information that should be included in the notice provided to consumers. Credence Resource Management has not furnished me with the required information in the notification, depriving me of essential details regarding the debt in question.

3. **12 CFR 1006.34 ( d ) ** : This section emphasizes the need for accuracy and integrity in debt collection practices. Credence Resource Management 's actions have lacked transparency and accuracy, which is a clear violation of this regulation. 

XXXX. XXXX15 USC 1681-S2 ( 7 ) ( A ) ** : This provision safeguards consumers ' rights by ensuring that collection agencies provide proper notification before initiating collection efforts. Credence Resource Management has failed to uphold this fundamental requirement. 

I am hereby requesting that this account is deleted from my credit report. 

Furthermore, if Credence Resource Management believe that they have provided me with proper notification, I demand that they provide evidence in the form of a certified receipt with my signature acknowledging receipt of the notification. 

I trust that the Consumer Financial Protection Bureau will address this matter promptly and ensure that my consumer rights are upheld. Please keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Through a credit monitoring agency, I received a notice that a hard inquiry was placed in my Equifax credit report by XXXX XXXX XXXX on XXXX/XXXX/2016. Someone used my SSN to order XXXX cell phones. After contacting XXXX XXXX XXXX Fraud Center on XXXX/XXXX/2016, they confirmed I did not make the purchases and that XXXX unfortunately had already delivered the phones earlier that day to my previous address, a house that was empty. I had filed a credit dispute with Equifax on XXXX/XXXX/2016. Today, XXXX/XXXX/2016, I checked on the status of my dispute and Equifax states that the hard inquiry will remain in my credit report, even though XXXX XXXX XXXX admitted that the inquiry was fraudulent. How is it that Equifax will not exonerate an identity theft victim? What can I do to have the incorrect inquiry removed from my credit report?
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by Capital One. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called Capital One and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. CapitalOne refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from CapitalOne in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written Capital One in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,