23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$37000.00} Date Opened : XX/XX/year> Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled and listed above.

A copy of my Identity Theft Report and proof of my identity with current address. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information being removed. 
I appreciate your prompt attention to this serious matter, and await your prompt reply. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

An individual attempted to open a credit card with wells fargo bank using my personal information. I became aware of this when a represenative from a local branch contacted me from phone number XXXX XXXX XXXX. Contacted wells fargo bank fraud group at credit card fraud XXXX. They looked up my information and told me my information is not in thier system. This worries me if I got a call about credit card opening and they can't locate documentation for me. The message said that if this credit card application is real then must go into bank branch to provide identification to open. I was grateful for that security block. 
I previously had a prepaid card that I closed but they said its not the same thing. 

account fraud XXXX online fraud XXXX
Product: Student loan

From XX/XX/23 to XX/XX/23 I have attempted to contact Nelnet to address XXXX serious issues. XXXX. I have not received a bill. XXXX. My personal information has changed but I did NOT make any changes, and I am unable to get through to Nelnet. They never answer the phone.
Product: Credit reporting or other personal consumer reports

I made a request on numerous occasions for my XXXX XXXX number : XXXX be updated as paid in full and removal of all late payments!! I took it among myself to speak to XXXX myself on. XX/XX/2024 at XXXX and spoke to representative XXXX from the title department on why my credit report was not showing paid in full and the balance reflected to XXXX and all negative items removed, she informed me that they did update all information and it was the three Bureaus that had not correctly updated the information I asked that they send me proof and they emailed me a letter verifying that the account is satisfied I have also submitted proof of payment.
Product: Credit reporting or other personal consumer reports

An XXXX XXXX Account " XXXX '' in has been wrongfully added to my credit report affecting my credit score on both XXXX and Experian credit reports. I am not the owner of this account, and this was added in my name illegally and is entirely inaccurate. This is defaming my name and impacting my right to credit as well as voilating the consumer protections act and fair XXXX credit reporting act since this is fraudulent reporting. The only way for this wrong to be corrected is for this entire account and all of its history to be removed from my credit profile immediately. I have never been personally liable for any XXXX XXXX credit card in my life. Please report this, rectify it completely, and stop this fraud from taking place.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I looked at a copy of my credit report and I noticed an inaccurate account XXXX XXXX XXXX XXXX. According to IRS canceled debt ( charger off ) is a gross or ordinary income. An Income does not get reported on a consumer credit report. This charger off is inaccurate according to 15 U.S.C. 1681e ( b ).
Product: Checking or savings account

today i received {$700.00} in attempted charges that are fraud more than TWO WEEKS AGO, i requested an account closure. 

they never closed it!!!!
Product: Money transfer, virtual currency, or money service

I made a transfer of XXXX Euros ( XXXX, XXXX dollars, until the moment of the transfer ) from my current account in XXXX to the Wise account, in XXXX, onXX/XX/XXXX with the promise that the account is in my checking account, Bank XXXX XXXX, XXXX, within XXXX hours, however, it has been 5 days, and the money has not been transferred, and I have not been informed until now when I will see it.
Product: Credit card or prepaid card

I have a Capital One Credit card ending in XXXX. 
I wrote a letter in XXXX to them and called on XX/XX/XXXX asking for some kind of relief as advised by CFPB and as advertised on their website noted below with stars. 

I spoke to XXXX in XXXX, VA and she said that Capital One had no programs to assist and that, that they would not offer a payment plan, that they HAD TO REPORT ME TO CREDIT AGENCIES, and they had no programs to help those who lost businesses or who suffered illnesses covid. 

Can you help? 

I offered to attempt to rectify and make minimum payments until we get on our feet. 

Capital One says there are no available options for relief under CARES act ***Credit Cards and Other Loans If you find yourself unable to make payments on bills, credit card debts or other loans, the Consumer Financial Protection Bureau ( CFPB ) recommends working with your lenders directly. The CFPB says the earlier you reach out, the better. And it has a helpful page describing what options may be available and what to say to your lender.

Capital One customers who may be experiencing financial difficulties as a result of COVID-19 should reach out directly to discuss available resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is on the dark web and has been stolen
Product: Debt collection

I called NCC and made arrangements to pay a debt that I owed and XXXX XXXX continues to call me. XXXX XXXX calls me and he seems not to remember that he has called me. XXXX XXXX calls me all the time early in the am and XXXX and XXXX times a day. I have made a payment on the debt and stated when I was going to make other payments but XXXX XXXX continues to call me.
Product: Checking or savings account

I filed a dispute but was able to resolve the issue and get it figured out with the merchant. So my bank debited the provisional credit they provided to my account. I agreed. But then they also went to the merchant and requested a payment reversal after the fact I cancelled the dispute. Now, the merchant has put my account in delinquent status and is putting my personal belongings for auction in XXXX because my bank failed to cancel the reversal and denied my request to return the payment to them. Im delinquent over XXXX $ because of this. And my bank still denies helping me
Product: Debt collection

I was faithfully paying my Wells Fargo bill since XXXX, when I unexpectedly had a major XXXX XXXX I was off work for 3 months for XXXX XXXX in XXXX. When I returned to work my hours were reduced. Wells Fargo made a agreement through phone conversation to pay certain amount and interest was lowered. The amount that was agreed was XX/XX/XXXX/mo. I was paying Faithfully that amount until out of nowhere they were calling me and saying I owed more money. I was confused because I never received notice of bill went up. Thereafter I was getting phone calls saying I owed more money. I contacted them by phone and they said the year was up with me paying that amount. I was never told a time limited on the agreed amount. I said what 's the point of all this time I was paying you and now your going to raise the interest and the amount I paid before is now going to go up again. What was the point of me paying all that time then. I told them they never gave me official notice of this change at all. I was upset and in tears because I asked them to work with me and they refused. Six months went by of them harassing me then I received a letter from their attorney stating to contact them to settle with them.. I did contact them and offered an amount {$2000.00} but they wanted the whole amount which I did not have and then they said I owed {$900.00} in legal fees. Which I was upset and in tears again an hung up. One month later I was served with this law suit in the amount of XXXX plus XXXX in their legal fees. Lastly, I just want to add my other debts have been and still are working with me. I feel I am being bullied and treated unfairly since I have been faithful to this company since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened : XX/XX/2016 This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Debt collection

I have a collection on my credit report form Transworld Systems. However, I dont have an account with them nor ever did. They say they are representing XXXX aka XXXX  XXXX XXXX. However, I contacted XXXX  today on XX/XX/year> and they told me that I have no outstanding balance with them. I also contacted Transworld System today on XX/XX/year> and they told me I dont have an account open with them but they cant do anything about it being on my credit report. I am writing this complaint to get Transworld Systems out of my credit report since they are showing in my collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now  reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was open fraudulently with XXXX as the original creditor who than sold the account to Monterey financial services a collection agency. I have contacted them many times and informed them of the fraud. The major credit reporting agencies have agreed to remove the account. The account still remains as a negative trade line on my XXXX credit file. This needs to be corrected as Ive received correspondence that they will remove the account and still havent!
Product: Checking or savings account

i was told i needed to submit a subpoena in order to access my funds by a bank teller at WellsFargo and XXXX, i also had deposits made thru the treasury direct and on my bank statement it shows as a floating adjustments. I've contacted the federal reserve board but they weren't much help.
Product: Vehicle loan or lease

In XXXX of XXXX ; we took out an equipment loan for our corporation. 
In XXXX of XXXX ; due to financial hardships, the corporation was dissolved. We notified the lender via certified mail of this matter and ouXXXX XXXX XXXX  Bankruptcy filing. 
XX/XX/XXXX, XXXXXXXX XXXX : An unmarked tow vehicle with a small XXXX XXXX repossessed our business XXXX without notice. The tow company refused to provide documentation. We showed the title of the XXXX, but the tow company refused to acknowledge it. 
XX/XX/XXXX, XXXXXXXX XXXX : Called the Sheriffs department and learned that the vehicle was towed as a repossession. 
XX/XX/XXXX, XXXXXXXX XXXX : Went to the Sheriffs department with proof of title. The Sheriffs department could not assist further and gave us the number for XXXX XXXX XXXX ( XXXX ). 
XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX; they directed us to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). They told us to contact XXXX at XXXX, stating it was a mistake. XXXX dismissed the title, saying it didnt mean anything and refused to send repossession orders. Directed us to contact XXXX at XXXX XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Left a message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX XXXX Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Spoke to XXXX again at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX  : Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXX XXXX : Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX  : Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX  : A fellow business owner informed us that XXXX XXXX XXXX said our equipment, personal belongings, and other business-related items were in storage and that the XXXX had been auctioned off. 
XX/XX/XXXXXXXX XXXX XXXX XXXX Finally spoke with XXXX, who said he could not help as he only manages the repossession process. XXXX denied that the XXXX had been auctioned off and refused to provide repossession orders. He directed us to call First Citizens Bank at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Called First Citizens Bank ; they stated they could not help and directed us back to XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Went to XXXX XXXX XXXX, but the two addresses on file led nowhere. 
Eventually found their location in XXXX, and provided the vehicle title, but they dismissed it, claiming the repossession was for a vehicle owned by XXXX XXXX. They refused to provide proof or any documentation of repossession orders. They confirmed the XXXX had been sent to auction and that notices were sent to XXXX XXXX. Despite explaining that XXXX Since then, we have not received any notices, options, or ability to address the situation.
Product: Prepaid card

This card services NetSpend I have my deposit come in I was unable to use it because I had to close the shut the card off that I had it had been compromised they sent me a card for old account I got on the phone today which is the XXXX I was on hold for 3 and 1/2 almost 4 hours The problem still isn't situated with this company I want something done immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT LETTERS, CERTIFIED WITH SIGN AND RETURN TO EQUIFAX ON THE FOLLOWING DATES:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance Owed : {$85.00} ; XXXX XXXXXXXX Balance Owed : {$4900.00}
Product: Debt collection

keep calling me and wife saying " this is XXXX from intergrated services call XXXX failure to do so will expedite employment wages and liquid assets protocol. 
They were asked to stop calling said i need to call back or my lawyer and hang up the phone
Product: Checking or savings account

I have been banking with XXXXXXXX XXXX for quite some time and on XX/XX/XXXX all of a sudden I get out of nowhere email saying that my savings and checking account were closed and that they were not going to give me my money that was left in there which was almost {$8000.00} and I have been trying to get the money back from them since then and then one person telling me they're sending me a check the other person said that they're not sending me a check that they're going to email me and I never get emails from them I don't know what to do
Product: Credit reporting or other personal consumer reports

i am a XXXX XXXX XXXX XXXX and i have supporting documents to support my cliam on this incident that has occured on me.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices in violation of the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected.

Additionally, its dispute resolution process was unfair and deceptive, failing to comply with the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result of these violations, I have experienced significant inconvenience and financial loss. I seek a full investigation into these issues and appropriate redress for the harm caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have noted an increased amount of alerts from all three credit bureaus as well as incomplete accounts being listed as well. Some accounts are showing duplicate listings for the same exact debt and I had an account appear from 2006 which has long been resolved and is paid in full. When I reach out to XXXX, the representatives do not have adequate knowledge on the statute of limitations and could not explain why some listed accounts are incomplete and missing vital information. This is of great concern to me as I am in the process of repairing my credit as well as dealing with breaches in the sharing of my personal information. I am requesting this investigation as the credit bureaus should be following the same policies, protocols, and regulations as the general public is held accountable for.
Product: Checking or savings account

XXXX XXXX XXXX, Navy Federal engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 when it charged overdraft fees on debit-card purchases and ATM withdrawals when consumers accounts had insufficient funds at the time the transactions settled even though they had sufficient funds when they made the transaction.
Product: Credit reporting or other personal consumer reports

I have not authorized the following inquires and I need these items removed immediately from my XXXX, XXXX and Experian report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To XXXX XXXX legal/compliance thank you very much for your response. I am requesting a copy of my medical information showing the debt the amount of the debt the unpaid balance sign by the consumer. legal compliance XXXX XXXX stated you are business associates of the original debtor.I request my sign hippa given you from the original debtor be posted c f p b that I may view the sign hippa you stated your agreement with your client that you would not share private information with anyone other than the consumer. I take that to mean any third party other then the consumer the person who may are may not have purchase good and service for personal use.