23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX XXXX XXXX. I am writing due to recent actions by the CFPB against Wells Fargo on the issue that their employees were opening accounts without the customers knowledge and authorization. I believe I am a victim in this issue. I believe a Wells Fargo employee opened a Credit Card in my name without my knowledge or authorization back in XXXX. I am a XXXX XXXX XXXX retiree living on a fixed income. I became a new customer of Wells Fargo in XXXX and opened a checking and savings account. I never opened a Credit Card! I became aware of this in XXXX XXXX when my computer was hacked and I was scammed of {$5000.00} from a Credit Card that I never knew existed. As the scam was unraveling, Wells Fargo notified me that the scammers activated a Credit Card ( that I did not even know that I had ) in my name and advanced {$5000.00}. After my inquiry the bank told me that the card was established in XXXX but had never been activated until XXXX XXXX ( not by me but by the scammers ). Why would someone get a Credit Card and never activate it?? Because they did not authorize or even know that they had it! I have made over a dozen complaints over the past year and a half to everyone from the bank ( XXXX or 6 times ) to the FBI, to the XXXX, to the local XXXX Office and the local Sheriff 's Department. I am including a copy of the letter that I sent to XXXX XXXX XXXX and XXXX XXXX XXXX at Wells Fargo. At this time I have $ XXXX delinquent charges from Wells Fargo against me and my credit report. I would like this charge removed and this matter finally resolved. Thank you! 
XXXX XXXX XXXX XXXX
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED US DEPT OF EDUCATION INACCUATELY REPORTING LATE PAYMENTS TO MY STUDENT LOAN ACCOUNT. I'VE CONTACTED THE CREDIT REPORTING AGENCIES, AND THESE LATE PAYMENTS HAVE BEEN DEEMED UNVERIFIABLE.

REPORTING THIS INACCURATE INFORMATION IS NOT ONLY VIOLATING MY CONSUMER LAWS BUT SEVERELY IMPACTING MY CREDIT. THESE LATE PAYMENTS ARE IN VIOLATION OF 15 USC 1681 A ( 2 ) AI. NOT ONLY WAS THIS STUDENT LOAN ENROLLED IN THE XXXX PROGRAM, BUT ALSO COVERED UNDER THE CARES ACT.

FURNISHING ANY LATE PAYMENTS UNDER THIS ACCOUNT FURTHER VIOLATES 15 USC 1681 S-2 ( E ) IL BUT ALSO 15 USC 1681 S-2 ( F ). 

AFTER ATTEMPTING TO REMEDY THE LATE PAYMENTS I WAS ADVISED MY INFORMATION WAS ALSO INVOLVED IN THE EQUIFAX AND XXXX XXXX BREACH. I NOW SEE CREDIT INQUIRIES MERGED TO MY PROFILE THAT I HAVE NOT AUTHORIZED OR GIVEN PERMISSION TO BE FURNISHED FROM XXXX, AND XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments in XXXX and XX/XX/2020 contacted the three bureaus to remove payments
Product: Checking or savings account

On XX/XX/2023 I deposited an {$8000.00} check into my checking account at a 5/3 Bank branch. The check was from XXXX XXXX and was for a loan against my retirement account. The check cleared the next day. I already had about {$3000.00} in my checking account when I deposited the check. 

On XX/XX/2023, 5/3 Bank put a permanent hold on my checking account and locked me out of my online banking. I tried to call them and when I put in my information, they put me on hold for 30 minutes No one would pick up. So, I went to a branch. 

I was told that there were questions about the {$8000.00} check. I didn't understand since this was a check from a large company. I spoke with a personal banker there and provided him the loan disclosure statement, loan confirmation paperwork and my most recent quarterly statement. I called XXXX and they said they should just call them and they will confirm the check. He forwarded this to the 5/3 fraud department. 

They have still not rectified the issue. They won't call XXXX. They won't bother to do anything. They have returned payments I have made for utilities and other bills. 

I don't know what to do. They have stolen my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is breakfast the law according to the FCRA! They have changed my account history with my XXXX accounts and are now reporting missed payments after reporting 100 % on time payment history! This is a direct violation of 15 usc 1681e ( b ), 15 usc 1681b ( 2 ) and they are punishable pursuant 15 usc XXXX by 1,000 dollars per violation. I am submitting screenshots of how my reporting was correct and how they are now in violation of the FCRA by reporting inaccurate information! By law once a credit reporting agency deletes inaccurate information the information can not be placed back onto the consumers report!
Product: Mortgage

My old loan transfer to a new co.. In XXXX of XXXX.I pay my first payment, XXXX. In XXXX. I have call and call no answers. I got my bank involved. Bank said it was cash on XX/XX/2020. I also had a 3 way conversation with the bank plus the mortgage co. I still have no results. It has been 4 months. Customer service has no facts. Waste of time. It is XX/XX/2020 still trying to get my mortgage up to date. The payment I made in may is for my house payment and nothing else. If they put it some place else they should let me know by a letter.
Product: Mortgage

The present loan servicer claims they were not forwarded the verification I requested and to contact the prior servicer which was Bank of America. 
When I called Bank of America, I was given the file information I requested by telephone several times since XX/XX/XXXX. I asked to be sent written confirmation at least six times and told each time I would receive it in approximately two weeks. This is considerably longer and in months calculation waiting on the written confirmation from my file. I need the written confirmation for my own files. The request is a written confirmation of the permanent equity freeze on this account that applied to my Loan # XXXX XX/XX/XXXX there is a code number indicating the reason for the freeze.
Product: Debt collection

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Blakely-Witt & Assoc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with Blakely-Witt & Assoc. This was a Apartment Lease and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a XXXX XXXX XXXX has 30 days to validate the debt. In my case my debt was never validated by Blakely-Witt & Assoc. In this case the debt should be removed from my credit report and out of the office of Blakely-Witt & Assoc. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Product: Credit card

Capital One offered me a Spark Business credit card. I applied to the offer and was approved with a {$20000.00} credit limit. I subsequently received a security notice that the account was restricted and I needed to call. I did so and was told to upload documents. Only 10 documents were allowed. 

I then received a call back from security and they asked for more documents with different requirements. I even opened a personal checking account at the billing address as they instructed. I then attached more documents as requested. 

I then received yet another call back from security and they asked for yet more documents with different information. Capital One went so far as to tell me to put my personal name on the business bank statement. I do not think this is legal. a business checking account has a business name, not an individual. Further the business address is not the same as my address. So why does Capital One want me to do this?
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX from XXXX Grapevine in XX/XX/XXXX. Dealership could not work with my local credit union since it was in another state and secured financing through TD Auto. I refinanced the vehicle through XXXX XXXX XXXX in late XX/XX/XXXX/early XX/XX/XXXX. In the process of applying for a new mortgage, I pulled my credit report and see that TD Auto is showing a {$44.00} balance. TD Auto has been less than forthcoming and somewhat deceptive. They tell me that they have no record of quoting a 10 day payoff, but they are telling me that when they received the payoff from XXXX, it was 3 days late. XXXX has records showing the check was mailed in plenty of time, but TD Auto has been unwilling to work with me and waive the {$44.00} fee. XXXX XXXX has said that do not waive these fees. Then they said they can not. Then finally they said that they just don't want to. They have me over a barrel for {$44.00} on a {$70000.00} loan and are unwilling to work with their customer. They have also been unwilling to expedite this account updating on my credit report and unwilling to provide me with a letter showing this has been paid off. My mortgage broker wants this to show as paid off & closed on my credit report to boost my score a few points and secure me a better interest rate. I may end up paying a higher interest rate because TD Auto does not care about their customers.
Product: Credit reporting or other personal consumer reports

USAA reports a XXXX balance to credit bureaus XXXX on XX/XX/XXXX. XXXX was reported as being at XXXX balance XX/XX/XXXX, XXXX closed the account on XX/XX/XXXX. It is requested that USAA provide the IRS XXXX XXXX. XXXX sets of communication have been sent to USAA  XXXX, XXXX XXXX to provide record of IRS Form XXXX and a letter of Mortgage Satisfaction. XXXX XXXXXXXX act as agents of USAA conducting mortgage services. XXXX reflects that USAA account is closed and at a XXXX balance and XXXX is reporting a positive balance. XXXX balances and closed accounts do not carry over positive balances on a third party ledger. Due process and civil procedure also was not followed see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX on the record. XXXX my have been assigned records internally but all parties failed to provide the proper process of service, notice of assignment that follows XXXX statues.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found that I have fraudulent activity on the account listed below. I do not recognize this account, my personal information was in a data breach, in addition I have filed identity theft. Attached are supporting documents. 

XXXX XXXX XXXX has flagged your account as Collections. 


Please remove this account immediately, and send me an updated report. 
Thank you for your prompt assistance in this matter.
Product: Credit reporting or other personal consumer reports

I do not want to have this on my credit report. It is not belong to me. It is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any recollection of these inquiries. I was told I couldnt dispute them if they was 6 months back. 
Name Requested On XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, MD XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XX/XX/XXXX Location XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXXE XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX via XXXX XXXXXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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: Student loan

I received my federal student loans in XXXX while attending XXXX XXXX COLLEGE in XXXX, OK. I graduated in XXXX with an XXXX  XXXX XXXX and in XXXX the loan payment on the 2 consolidated loans was to begin. From XXXX-XXXX  I worked for XXXX XXXX XXXX  as an XXXX XXXX and when I inquired about and applied for the forgiveness program for government workers I was told I didn't qualify, I have continued to make payments all theses years and still have a balance of {$11000.00} and am now retired from XXXX XXXX. My son now is in college and we are trying to help him without assuming the debt I did while I continue to repay a loan over 20 years old. I feel like when I applied for the government forgiveness program I was misinformed and should have qualified. Since the ongoing law suit against Navient and all of theother borrowers coming forward with similar stories I am convinced that I was misinformed as to my application for government employee forgiveness. Please help I feel like I will pass away before they are paid in full.
Product: Checking or savings account

I made a fraud claim a week ago XX/XX/year>. The bank deactivated the card without notice of any kind. When contacted via chat.. provided a number to contact. Number does not avail connection to a live person. over an hour redialing and using phone options, providing phone number and other identifying information. No connection made. Contacted chat support again. Informed a card was sent to me provided an unknown about number. No emails or text information sent about this " new '' card. Informed a supervisor will " Call me. '' within or in about 24 hours. Informed them I am not a phone user they need to use other means .... Supervisor will " call you. '' There is noting to inform anyone it is a TTY outgoing number only... This deactivation without notice will cause my mortgage payment to decline, cause my other payments to decline causing me charges for such declining. I have a balance..
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to formally dispute the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This unauthorized reporting constitutes a violation of my consumer rights to privacy, as these entities have no legal basis to report any information under my name. 


Furthermore, I have identified unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 


Please address this matter promptly, and confirm the removal of the disputed entries.
Product: Student loan

The daughter ( XXXX ) of my former spouse took out an {$8000.00} student loan and was able to have me listed as a co-signer without my prior approval. Despite filing a report with the XXXX police department and being labeled as identity theft by them, Wells Fargo is refusing to release me as a co-signer on the loan. 
While my former spouse and I lived together while married, I did not grant her daughter the right to use me as a co-signer at any time. The bank has struggled to provide me with relevant information, and refuses to speak with me to understand the facts involved with this situation. I have spoken with Fraud department personnel, Executive team administrative assistants, and local branch employees, many of which agree that the bank should remove me as a co-signer. However, the fraud department contends that because the person initiating the loan did so with the same address as me at the time and that I had asked questions about a loan at one point, they will not remove me. A police detective that I recently spoke with told me that the mere fact that a former spouses daughter lived in my home at some point does not justify them from using my identity illegally. I would appreciate any and all help that your office can provide me in remedying this situation.
Product: Credit reporting

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX-XXXXTrans UnionXXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX unauthorized hard Credit inquiries removed as erroneous on XXXX/XXXX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XXXX is now XXXX/XXXX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in 30 days time period .all letters attached. please remove following inquiresCreditor Inquires DatesXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires DateXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution in Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account # 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 an account without my instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report