23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This is reference the Wells Fargo Scandal of XX/XX/XXXX On XX/XX/XXXX my Wells Fargo branch asked me to come in to open XXXX new accounts due to a security breach on my existing accounts. They advised me that the source of the breach was confidential. XXXX new accounts were opened and resulted in bank routing numbers not recognized by my creditors when I issued checks. Those checks were returned as insufficient funds and my credit report and my credit score were financially damaged over a XXXX year period. My local Wells Fargo Branch officers were incentivized to create new accounts at my expense. I was advised to submit my complaint /dispute with the XXXX XXXX XXXX XXXX on XX/XX/XXXX and I submitted a XXXX Form with XXXX ( XXXX ) supporting documents requesting {$50000.00} in financial credit damages over a XXXX year period. On XX/XX/XXXX A Telephonic Mediation Conference Session was conducted between Wells Fargo, The XXXX and myself for a XXXX and XXXX half hour session. My XXXX is : XXXX. While a settlement resolution was reached a serious XXXX of justice occurred where I had no choice but to settle for a {$1000.00}. This was agreed upon my all XXXX parties on XXXX. Since that date no payment has been made my Wells Fargo and after several attempts to reach Wells Fargo through the XXXX they failed to reply or make payment. I have a condensed account of all of the above dated XXXX that was emailed to you at : XXXX. I will attach that document again for your information. Naturally, after XXXX months I have extensive records of my entire complaint/dispute with the XXXX & Wells Fargo on file. As a XXXX at age XXXX I am convinced I have been victimized by Wells Fargo and I am respectfully requesting the CFPB to review and investigate my complaint. Please advise my next step with the CFPB. 

Sincerely, XXXX XXXX XXXX, NV XXXX Email : XXXX Telephone : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request your intervention regarding a matter with XXXX, XXXX and TransUnion that has not been resolved despite my repeated efforts. I have sent letters to XXXX on XX/XX/year>, and again on XX/XX/year>, requesting that they address issues related to my stolen identity and verify the accuracy of the information on my credit report. To date, I have not received any response from XXXX by mail as I requested. 

In my correspondence with XXXX, XXXX and TransUnion I notified them of the identity theft, and I provided them with instructions to verify any and all accounts listed on my credit report with my original signed documents and physical verification as required by the Fair Credit Reporting Act ( FCRA ), specifically Section 609. Despite my clear demand, XXXX has failed to comply with my request and has not provided the necessary verifiable proof or documentation. 

The lack of response and verification from XXXX, XXXX and TransUnion is a violation of the FCRA and constitutes a failure to address fraudulent accounts and unauthorized addresses associated with my credit profile. I am now left with no choice but to consider their inaction as fraudulent behavior and potentially a breach of my rights under the FCRA. 

Accordingly, I request that the CFPB assist in taking the following actions : Ensure that XXXX, XXXX and TransUnion deletes all fraudulent accounts and addresses that do not belong to me from my credit report. 
Obtain an update letter from XXXX confirming the actions taken and the current status of my credit report. 
Furthermore, I intend to pursue litigation to enforce my rights and seek relief under Sections 616 and 617 of the FCRA, which allow for the recovery of monetary damages due to XXXX non-compliance and any resultant harm. 

I would appreciate your prompt assistance in this matter and request an acknowledgment of receipt of this letter. Thank you for your attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint on 2 companies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX : ( XXXX accounts ) A ). XXXX  XXXX - {$710.00} B ) XXXX XXXX- {$900.00} Description : XXXX XXXX XXXX has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from XXXX XXXX were on XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

2XXXX XXXX  XXXX {$770.00} ( One account ) Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED - I have been a victim of identity theft, and data breach spill these are not my inquiries 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Two medical debts from visits on XX/XX/XXXX and XX/XX/XXXX for a total of {$1200.00}. I submitted all documentation to insurance and they paid the claim from XX/XX/XXXX. The insurance carrier ( XXXX ) has said repeatedly that they have not received a claim for XX/XX/XXXX. I have contacted both the medical provider and their debt collected multiple times and each time they said they would resubmit the claim but have not and have not only continued to bill me but have reported the debt to credit reporting agencies which has negatively affected my credit making it difficult for me to get loans or credit cards. I have all necessary documentation and proof of attempts I have made to resolve this issue. I contacted the collections agencies in the following dates via phone : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX and have sent numerous emails to all parties involved. I was told by medical provider and collection agency that they could not contact my insurance provider we regarding this debt and that I would have to however I thought that this violated CTs balance billing laws.
Product: Credit reporting, credit repair services, 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 USC 1681. 

XXXX  XXXX BANK XXXX has violated my rights. 
XXXX BANK XXXX has violated my rights XXXX BANK XXXX has violated my rights XXXX XXXXXXXX BANK XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights 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 XXXX vears. 
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, credit repair services, or other personal consumer reports

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 It is so many inquiries on my credit I didn't apply for and my information on my credit is not adding up. I submitted a complaint months ago about XXXX auto as well having the information wrong on my credit report and it is still wrong follow by my screenshots provided. I lost my truck to repossession in XXXX the balance was {$4200.00} not {$15000.00}.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Data Breach Dear XXXX, I am writing to formally request the blocking and deletion of my accounts listed below, as I am a victim of the recent data breach. Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have these accounts blocked WITHIN FOUR DAYS to protect my personal information. 

The accounts I wish to address are as follows : 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 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 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 XXXXXX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Debt collection

I got an online loan through the company XXXX and paid off my debt. My wife got a a call from High Point Asset Inc, saying that I owe a debt. They disclosed all my personal information to my wife without my consent, said that they would call the police on me, and said they would prefer that I pay them with a pre-paid card. My wife asked them to send me a verification of debt through XXXX XXXX, which they did. The verification of debt did not have an original account number for my loan, their address of the business is a XXXX, my apartment number was n't listed, and did not include information about my rights under the federal Fair Debt Collection Practices Act. Also, the company they are collecting for is no longer in business and XXXX has listed that the former lawyer be called if another debt collection company tries to collect on their behalf. I have proof that my debt was paid.
Product: Credit reporting or other personal consumer reports

On XX/XX/. I signed a contract through " XXXX XXXX  XXXX '' at " XXXX XXXX XXXX XXXX, XXXX, WI XXXX '' for a loan to fix my car. Months later, I got charged insane interest rates despite missing about one or two payments. After I paid it off in full on XXXX XXXX XXXX, I contacted XXXX XXXX when it would be reported, On the first call the agent claimed that the report would pop up in 1-3 months. 2 Months later, on XXXX, I see nothing on my credit report so I wait untiXXXX XXXX XXXX XXXX, to see if it shows up, nothing yet. I called XXXX XXXX XXXX  at XXXX XXXX, the agent claims they report at the end of each month, so the end of XXXX is what the agent claimed. I then say okay, so I check in with the TransUnion agent and the agent sees nothing about XXXX XXXX on my report or any accounts.
Product: Student loan

Dear Sir/Ms. : For the purpose of introduction, I am a XXXX. In XX/XX/XXXX I completed a XXXX, in support of Congresswoman XXXX XXXX XXXX, ranking member on the committee on Science and Technology. 
In XX/XX/XXXX, I decided to complete a XXXX degree ( started at XXXX XXXX University in VA ) so that I could XXXX after over 35 years of XXXX. Due to a busy travel and work schedule I decided to use XXXX University ( my mistake ), and XXXX Department of Education ( DOE ) Federal Stafford loan as a matter of convenience. After acceptance of my application, The DOE, under XXXX XXXX, put the management and control of the loan into the office of the XXXX University Office of Financial management, and the largest alleged debt is now from WELLS FARGO? 
I received a communications from the US Department of Education dated XX/XX/XXXX ( please see attached file ). In that communications is further evidence of fraud. In the first table is a stated total of {$23000.00} from a Lender XXXX, XXXX, WELLS FARGO. I have never, ever, in my life applied for a loan with WELLS FARGO. I have never done any business with WELLS FARGO or talked with any representatives of that organization, yet the largest loan is stated as from WELLS FARGO. 
After passing the XXXX and continuing to the XXXX, fraudulent issues concerning mounting debt became so confused and exasperating, I realized that the school is about stealing money and not education. Therefore, XX/XX/XXXX, I notified XXXX University of my displeasure with their operation and that I will not continue with their program. I then started to repay the XXXX loan I made with the Department of Education ( DOE ), while trying to get answers to serious matters that indicate mishandling of the loan process by XXXX U and WELLS FARGO. A XXXX PLUS Loan is among my many complaints, it appeared at over 7.4 % interests when the DOE loan I applied for was 6 %. Thinking I made an error I paid it off in full. I continued making payments thru XX/XX/XXXX until I believed that all payments due were satisfied. I now have no confidence that the money I paid was ever received by the Lender, the DOE. The loan is now in default. 

After many attempts for assistance in resolving the issue, I submitted a letter of complaint to the new US Attorney General XXXX XXXX,, the department of justice responded with a letter, dated XX/XX/XXXX ( ID # : XXXX ), acknowledging they received my communications and will act on it. I am presently waiting, waiting, waiting for a response from the Department of Justice.
Product: Checking or savings account

I had some fraud on my account and money was taken I contacted my bank and they investigated it and gave me a permanent credit back on my account. I called my bank and told them I keep receiving calls from my bank Citi Bank asking me for my online username and password. I suspected that it was fraud so I called my bank and they said yes that's a fraud we would never call and ask for that information I was told by the callers that called me my account was blocked I received 4 fraud calls in one week. then money was taken out of my account unauthorized by me. after my bank investigated and determined I would receive a permanent credit back to my account. I never received a letter or an email or a phone call from Citibank in regards to my account being blocked by them I happened to log on to my online account and it was blocked all my money in my account my direct deposits go to that account and it said online to call them when I called they kept saying for security reasons we can't discuss it with you after verifying all my information they would not tell me anything finally I spoke to a fraud supervisor and he told me they are closing my account and I would receive a letter never received a letter and it will take 30 to 60 days for them to send me a check with my money. no warning no notice nothing that is money I worked hard for I have deposited it into their bank and there keeping my money for up to 60 days. this has caused me to have no food, my car insurance canceled and my water turned off I spoke to them about 10 times begging them to please give me my money now I need it to survive they told me I could go to a branch and have a branch give me my money all the branches in Fl are 4 to 5 hours away. I need my money to survivor
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.
Product: Debt collection

I sold someone my old phone which had my bank information in it. They then deposited a fake check which Im guessing went into the account and then someone sent out hundreds of dollars from the account and from what I got told, someone called in and said it was fraudulent. I stopped using XXXX XXXX a while before this even happened. I didnt close out my account but I switched to a different bank that is way better. I contacted the bank and they told me there wasnt anything I could do because it showed everything in my name. I contacted XXXX which is one of the places they sent out money to and they said to contact XXXX XXXX about a dispute. I did not approve the charges and I didnt have anything to do with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account # XXXX with XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account # XXXX with XXXX. XXXX, XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX, has violated my rights. 


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
Product: Credit reporting or other personal consumer reports

After being denied a credit card from XXXX XXXX. I pulled my consumer report which show inaccurate and adverse information being reported as XXXXXXXX XXXX XXXX XXXXXXXX was charged off XX/XX/year> {$480.00}. I was never provided this information to claim the income on my tax return which I will need to make amend.
Product: Vehicle loan or lease

I have a 36 month lease on a Volvo sedan serviced by VOLVO CAR FINANCIAL SERVICES ( VCFS ) Due to the pandemic, my auto needs have changed. Today I attempted to trade my car at XXXX. XXXX contacted VCFS to get a pay-off of the lease. VCFS refused to provide a pay-off and told XXXX that they will only give a dealer pay-off to a Volvo dealer. Essentially, Volvo is preventing me from trading my vehicle at other dealerships and forcing me to go to Volvo and limiting my choice of vehicles.

This is clearly a restraint of trade and a violation of the Anti-Trust laws.
Product: Credit card

This issue has been unresolved since XX/XX/XXXX. I purchased a blouse form online merchant, XXXX XXXX XXXX. I returned the item through the merchant 's designated third party vendor, XXXX XXXX in accordance with the merchant 's return policy. Happy Returns made a mistake on the return information and the merchant could not verify the item was returned. I filed a claim with my credit card issuer, TD Bank , N.A . Disputes and Claims while I attempted to resolve the matter with the merchant. TD Bank denied the claim ( XXXX Credit Card Dispute Claim ). I was able to obtian written proof from Happy Returns that the item was in fact properly returned. I provided the information to the merchant XXXX XXXX XXXX and they acknowledged via email the item was properly returned and received and that they would credit my account. However, the merchant informed me that a chargeback was submitted against the order by TD Bank and once initiated, we no longer have the ability to process a refund in our system until it is resolved by the bank itself. '' The merchant recommended reaching out to TD Bank to resolve the matter. cf. email dated XX/XX/XXXX, XXXX from : XXXX to : XXXX. and cf. Chargeback Evidence Case Number XXXX. I submitted the supporting documentation to TD Bank and never received a response. It should be noted that the claim and substanting was reviewed by my Local TD Bank Branch ( XXXX. XXXX XXXX, NJ ) and they assisted me in submitting the orignal claim and subsequent appeal via their fax machine to TD Bank Disputes. 

I am requesting a reconsideration of the subject Credit Card dispute claim filed on XX/XX/XXXX for {$84.00}. 

I am provided the following details in support of the claim dispute : Per the merchants instructions, I utilized Happy Returns to process the return of merchandise. I was subsequently notified by the merchant that the item in question, One Each, XXXX XXXX XXXX was not returned and they requested drop-off confirmation email. 

I obtained proof of drop-off from Happy Returns showing the XXXX XXXX XXXX was accepted for return on XX/XX/XXXX. ( cf. email dated XX/XX/XXXX ; XXXX XXXX  from : XXXX To : XXXX ). 

I have provided proof that the merchandise was returned via Happy Returns per the merchants instructions, and I have provided proof that the merchant acknowledges receipt of the returned merchandise, and the merchant agrees a refund of {$84.00} is due to me. However, as a result of the TD Bank chargeback, the merchant is unable to process the refund.