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

Inaccordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX, XXXX XXXXXXXX : XXXX, XXXX XXXX : XXXX, XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX OF XXXX : XXXX, XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispued account on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT NETCREDIT/REPUBLIC BAN ACCOUNT NUMBER 2023FL
Product: Credit card or prepaid card

On XX/XX/XXXX you informed me by e-mail that Discover Card responded to my previous complaint but I do not see that response. Moreover, Discover not only failed to resolve my dispute in the latest statement they added new charges for my refusal to pay their fraudulent charges. I therefore file this new complaint with addition of supporting documents. 
The full story is as follows : In early XX/XX/XXXX I purchased in XXXX XXXX XXXX 32 piece chess set as " XXXX XXXX XXXX XXXX XXXX XXXX. '' That set of chess had all figurines of major Republican and Democratic officials except for the Democratic nominees : XXXX  and XXXX XXXX. Inside the box was a pamphlet that indicated that in order to get those two figurine I have three options : 1 ) make an order on a website XXXX ; ' 2 ) call toll free # XXXX ; or 3 ) mail check or money order for {$9.00} + {$4.00} S & H to : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. I chose the third option and mail a check approximately in the middle of XXXX. Regrettably I did not put the date on the check but surrounding that check other check indicates that it was dated approximately XX/XX/XXXX or XXXX, XXXX. 

I did not get any response not did I get any requested figurines of XXXX  and XXXX. On XXXX I used the second option and placed an order by phone using that Discover card. I also used my e-mail for communication. I received a confirmation of that order by e-mail. Two pages of that confirmation is attached to this complaint. 

On XX/XX/XXXX XXXX submitted my check for cashing and it was cashed also on XX/XX/XXXX. ( copy of the cashed check is also attached to this complaint ). I was very upset when I discovered that because I wanted and needed only one set of Democratic nominees. I received that set but was charged twice for those two figurines. Moreover, on XX/XX/XXXX I was charged {$1.00} and {$13.00} for unknown " merchandise. '' Then on XX/XX/XXXX I was charged another {$12.00} for unknown " merchandise. '' I did indeed received two packages from the same California address from which I received original package with XXXX  and XXXX  's figurines. I do not know what was in those packages. Without opening those packages I returned them back. Copies of front of the packages and XXXX XXXX XXXX receipt for accepting those packages for return are attached to this complaint.
Product: Debt collection

False addresses: XXXX XXXX XXXX XXXX XXXX,ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX,ca XXXX 

Inaccurate employer delete please!!! It says XXXX ??
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off on XX/XX/2022. Here are my tracking numbers ( Experian ) : XXXX. Tracking number ( XXXX ) : XXXX. Tracking number ( XXXX ) : XXXX. I want to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

I opened a Wells Fargo Premier checking ( and linked savings ) account on XX/XX/year> at the XXXX XXXX XXXX Branch of Wells Fargo, where I was promised that with an offer code, if I bring in XXXX XXXX  into my new accounts by Day 45 and maintain it through Day 90, I will be paid XXXX XXXX. 

However, upon completing the activities, and not receiving my bonus, I contacted Wells Fargo to inquire about my bonus not posting. To my shock ( this was not told to me by the banker, who has since left Wells Fargo, and was a complete conman, in hindsight ), I was told that a " wire transfer '' does not qualify ( while the representative told me -- which sounded comical -- that I had to deposit money " in branch '' for it to count as a " deposit '' ) and that the system had deemed me ineligible to receive the bonus, and there was nothing they could do. 

I guess the shady conduct of Wells Fargo is not new to anyone who follows finance, and they continue their disgusting practices to this day. By inventing clauses to con customers, and not letting them know about it, they deliberately try to boost their " numbers '' while refusing to honor agreements ( unlike other reputable banks like XXXX XXXX XXXX ). 

I don't know what to say : is it expected that someone carry suitcases full of cash to the branch, to meet their " deposit '' requirement? Or do they expect me to have my employer pay me XXXX in salary in a day to " deposit '' to them? How in the name of XXXX does the most universally accepted form of depositing money -- a wire transfer -- not count? That too, without them telling me beforehand? 

How does Wells Fargo keep getting away with such disgusting, shady business practices; hiring conmen as " bankers '' to sell genuine-sounding lies to rake in business from customers? 

I kindly request CFPB to intervene, and get Wells Fargo to honor their part of the agreement, and pay me the XXXX XXXX  that they owe me.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$4400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX.
Product: Checking or savings account

Complaint Against : XXXX. Chase XXXX. XXXX XXXX. XXXX Complainant Information : Name : XXXX XXXX Phone Number : XXXX Email : XXXX Preferred Contact Method : Email Bank Information : Name of Bank : Chase Bank Branch : XXXX XXXX XXXX, XXXX, IL Relationship Manager Name : XXXX XXXX ( XXXX ) Details of the Issue : Type of Product : Checking Account Account Number ( Last XXXX Digits ) : XXXX Date of First Unauthorized Transaction : XX/XX/XXXX Date of Last Unauthorized Transaction : XX/XX/XXXX Date Reported to Bank : XX/XX/XXXX Total Amount Disputed : {$62000.00} Description of the Issue : Beginning in XX/XX/XXXX, unauthorized Automated Clearing House ( ACH ) debits totaling {$62000.00} were made from my checking account without my consent. These debits continued until XX/XX/XXXX and were directed towards paying off debts associated with a third party, XXXX XXXX. 

The unauthorized transactions included payments to XXXX ( {$45000.00} ) and XXXX ( {$16000.00} ), and the recipient of these funds was XXXX XXXX, not myself. 

The bank involved, Chase Bank, failed to notify me of these suspicious activities despite their magnitude and frequency, which should have been flagged by their fraud detection systems. I only discovered the fraudulent activities when my accounting team attempted to reconcile my bank statements for tax return purposes in early XX/XX/XXXX. 

Upon discovering these discrepancies, I immediately reported the unauthorized transactions to Chase Bank on XX/XX/XXXX. However, the response from Chase has been significantly delayed and unsatisfactory. They have not provided updates on their investigation nor have they reversed the unauthorized debits within the 60 days of my reporting them as required by the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX. 

The lack of initial detection and subsequent poor response from Chase has exacerbated the financial and emotional distress caused by this incident. 

I request that the Consumer Financial Protection Bureau intervene to ensure a thorough investigation is conducted, that the unauthorized transactions are reversed, and that appropriate measures are taken against the bank for failing to safeguard my account as per federal regulations. 

The response from XXXX was to direct all inquiries and responsibilities back to Chase, without taking any initiative to investigate or reverse the unauthorized payments. This passivity and lack of due diligence in handling what clearly involves fraudulent activities suggest a failure in XXXX systems to protect consumers against fraud, which is concerning and warrants a thorough investigation by regulatory bodies. 

Upon reporting the fraud to Chase and directly to XXXX on XX/XX/XXXX, XXXX 's response was insufficient. They provided an automatic reply instructing me to resolve the issue via phone and did not take proactive steps to investigate or rectify the unauthorized debits, essentially absolving themselves of any responsibility without due process.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information on my credit report and request an investigation and correction. I am a victim of identity theft, as documented in the Federal Trade Commission ( FTC ) Identity Theft Report with Report Number XXXX, which I have attached to this letter for your reference. Additionally, I have provided all relevant details and supporting documentation regarding the fraudulent activity. 
This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), which protects consumers from inaccurate or unfair credit reporting. Relevant provisions include : XXXX. Section XXXX ( 15 U.S.C. 1681g ) ** : My right to access my credit file and dispute inaccuracies. 
XXXX. Section XXXX ( 15 U.S.C. 1681i ) ** : Your obligation to investigate disputed information and correct or delete inaccurate or unverifiable data within 30 days. 
XXXX. Section XXXX ( 15 U.S.C. 1681c ) ** : Prohibitions on including outdated negative information. 
XXXX. Section XXXX ( 15 U.S.C. 1681s-2 ) ** : The responsibility of furnishers to provide accurate information and correct errors when notified. 
XXXX. Section XXXX ( 15 U.S.C. 1681m ) * Obligations related to adverse actions based on credit report information.
Product: Debt collection

NPAS collection agency, working on behalf of XXXX XXXX XXXX XXXX ( XXXX ) is attempting to collect a debt I know nothing about. In XX/XX/2021 NPAS started calling about a hospital bill that wasn't supposedly paid ; two years after the birth of my child. XXXX has all of my insurance which has been provided to them numerous times. On XX/XX/2021, I spoke with XXXX and gave her all of this information, for the XXXX time! When I ask for a Reference Number, Invoice, bill or tangible documentation they say there is no Reference Number or Invoice, just call back in 30 days. 
Today I called to follow up and spoke with XXXX who said the claim wasn't paid because the information " couldn't be verified and now they could resubmit it to XXXX. '' Also, they've been trying to contact us numerous times during the month of XXXX which is documented in their system. This is a completely false statement! No one has called me to follow up or try and verify any information. Furthermore, when I asked what address the numerous letters were sent they gave me the old address ; which I updated on XX/XX/2021, with XXXX and numerous times prior to that. 
After I asked to speak with XXXX XXXX manager she transferred back to the switchboard and I eventually spoke to XXXX. XXXX stated, " they're sorry they had old information and they have to resubmit the claim. '' XXXX XXXX XXXX XXXX and NPAS and engaging in fraudulent and frivolous billing, deceitful tactics, not being transparent, and making false statements. I've given the Hospital and this billing company all of my insurance information numerous times over the past two years ; they've had this information since day one. If the hospital or NPAS didn't file a claim in a timely manner directly attributed to their failure then they can't debt me to debt collection two years later and have a debt collection agency engage in fraudulent activity while making numerous completely false statements and pretending to send the documentation that doesn't exist.
Product: Debt collection

this debt is not mine this account was unauthorized to be used or opened be me. I did not give any third party access to open this account. the original creditor ( XXXX XXXX ) has been contacted before posted date XX/XX/XXXX and has failed to contact me with any resolution to this issue. as of XX/XX/XXXX no updates has been made no contact from original creditor. 

account # : xxxx xxxx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an online dispute with XXXX XXXX XXXX  regarding a credit card account from State Employee 's Credit Union of North Carolina ( SECU ). The account was discharged on XX/XX/XXXX through Chapter XXXX Bankruptcy ( the petition date for the Bankruptcy proceeding was XX/XX/XXXX ). 

Recently, SECU, inaccurately reported this discharged credit card account as discharged in XX/XX/XXXX. The evidence and facts from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX prove otherwise. I contacted my Bankruptcy attorney. He informed me that SECU has been similar actions in the last month. His advice was to seek consumer debt attorney to possibly sue under violations of the Fair Credit Reporting Act as well as potential violations of the bankruptcy discharge. 

For once, I would like SECU to get their act together and comply with the Fair Credit Reporting Act and stop misreporting information to XXXX and the other credit bureaus.
Product: Student loan

On XX/XX/XXXX, I sent the following request to NELNET, my student loan server : " Topic : XXXX, XXXX, and Other Repayment Options '' I informed/emailed NELNET that I have submitted my OFFICIAL Application for XXXX XXXX XXXX Plan OMB No. XXXX. Form Approved. Exp. Date : XX/XX/XXXX to the Federal StudentAid, U.S. Department of Education ; I uploaded my application and my employment income verification at both websites the Federal StudentAid, U.S. Department of Education and Nelnet website. I want to start repayment BUT I DO NOT WANT TO REPAY MY STUDENT LOANS UNDER THE ILLEGALLY IMPOSED BY NELNET XXXX  REPAYMENT PLAN. I AM CERRIFYING TO BE PLACING ME ON THE INCOME BASED REPAYMENT PLAN. I must have XXXX  plan removed immediately from NELNET XXXX selection as a plan for me. I never asked Nelnet to be placed on forbearance and/or XXXX plan. I was on PAYE plan originally when NELNET unlawfully moved me to XXXX  plan.

In addition, Nelnet. devided my CONSOLIDATED DIRECT LOAN ON TWO partitions - two Direct Loans. Curently, I have only one Consolidated Direct Loan. I requested from NELNET to start repayment in XX/XX/XXXX, not in XX/XX/XXXX. 

NELNET REFUSED MY REQUEST. NELNET SENT ME THE FOLLOWING NON SENSE EMAIL : " Dear ... .., Thank you for contacting Nelnet XXXX 

We are sending this reply to verify we have received your document and forwarded it to the correct department. Please allow processing time. Once your request has been processed communication will be sent to you letting you know it has been completed. 

Due to the nature of the ongoing litigation and the number of applications we have received since XXXX, we are not able to provide an accurate estimate of when your application will be processed. We encourage you to visit your XXXX account. A message will populate when you log in, notifying you where we are at in the application process. Until your application is processed, we will continue to postpone your payments. 

Questions? Were here for you. Log in to your nelnet.studentaid.gov/account or reach out to us at XXXX 

Sincerely, XXXX XXXX Your Nelnet Customer Service Team Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX '' This is unlawful. I am asking my student loan server NELNET to process my application for XXXX XXXX XXXX  plan, and NELNET is refusing my application with the following : '' Due to the nature of the ongoing litigation and the number of applications we have received since XXXX, we are not able to provide an accurate estimate of when your application will be processed ''
Product: Money transfer, virtual currency, or money service

Moneygram Locked out people used my account trying to send payment reported immediately still not able to use or cleared when I sent all supported documents I'm tired of being victimized!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling report because there are several credit inquiries on my credit report that are not authorized by me and I did not give any permission to non of the companies involved, this is a total violation of my consumer rights and i would like all the following inquires to be remove as soon as possible. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent {$150.00} to my niece in the XXXX thru Remitly on XX/XX/XXXX. Until now XX/XX/XXXX of XXXX, she has not received the money which was promised to be given to her within minutes after sending. I tried to reach out to the company from here in the US and my niece tried to reach out to them in the XXXX. The so called customer team keep saying they will look into it but until now nothing has been done. Numerous calls and e-mails were also made to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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
Product: Credit card or prepaid card

I purchased 10 yards raised bed mix for {$470.00} on XX/XX/2019 from XXXX XXXX XXXX. The company delivered the mix on XX/XX/XXXX. This is not in dispute. 

XXXX XXXX XXXX sent a representative, Mr. XXXX XXXX, to my home on XX/XX/XXXX to discuss a problem with the product. During the visit he stated the company would issue a credit of {$470.00} and would come and pick up the inferior product the first of next week at no charge to me. They did come and pick up the product. However, no credit was issued. When the credit was not forthcoming as promised, I again contacted Mr . XXXX about the credit. He said, I can make that happen. Mr . XXXX 's cell phone number is ( XXXX ) XXXX. 

When I did not receive the credit promised by the company representative I filed a dispute with Capital One stating a credit should be given because they picked up the product ; but, no credit was given. As far as me not providing the the purchase agreement, Capital One has it because they sent me a copy furnished by XXXX XXXX XXXX. There is not dispute about the invoice. I did not have a refund voucher to send them so they closed the case without talking to the company representative who promised the credit.
Product: Credit reporting or other personal consumer reports

I recently disputed a XXXX XXXX account that was inaccurately reported to all three credit bureaus. Following investigations by all three bureaus, only XXXX removed the account from my credit report. I find it puzzling that the inaccuracies were acknowledged by XXXX but not by Equifax and XXXX, considering they all derive information from the same source. This inconsistency feels like a violation of my rights. I deserve an accurate credit profile.