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

I would like to dispute off the following accounts on my credit report. 


XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$3100.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX TRANSUNION : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXXXXXX  Account Number : XXXX {$21000.00} XX/XX/XXXX
Product: Debt or credit management

This company continues to call me and won't leave a message so I know what kind of company they are, and they continue to call every day. I am on XXXX XXXX from work, and don't have an income right now, so I'd like them to stop trying to collect any debts that I don't know about.
Product: Student loan

I moved from XXXX  to XXXX  after I graduated college, Nelnet did not have my updated email or address & I was unaware that my loans were due during the period that they have placed against my credit. From XXXX XXXX XX/XX/2019 they reported me past due on all 5 of the loans each month. This has severely hampered my credit. My parents signed me up for these loans and I was not fully aware of them, I did not know they were through Nelnet & was not notified since they never had my proper email or address. I hope that you guys can help me out and remove this from my credit score, or at least bundle all 5 loans into one so it doesnt hurt me as bad. It is hard enough having about {$90000.00} of student debt, but my life has been miserable due to this honest mistake. Please help me.
Product: Money transfer, virtual currency, or money service

I am a customer of Wells Fargo bank. I have been scammed by a person named XXXX XXXX who is also a Wells Fargo bank customer because he sent me a XXXX request of {$450.00} on XX/XX/2019, and in the description of the money request, they put " XXXX XXXX ''. In my XXXX activity the scammer has requested 2 times {$900.00}, but were not satisfied. However ; I have never ordered anything online, neither a laptop. So the transaction was processed. I checked my emails the following day and saw my transaction report and immediately called Wells Fargo for Fraud alert since I did not make the transaction. Wells Fargo also denied my request and never refunded me anything. I sent them 3 mails. And they replied me with no change on the denials. They did even further investigate, like trying to reach out the Scammer.  I, in my side got the number of the ser through the XXXX report, called the number. The 1st time, it ringed, but no answer. The 2nd time, it was not going through. The person has shut off their phone. Here is the phone number of XXXX XXXX : XXXX. It is a Michigan code. So they might be from Michigan. After this incidence, XXXX had delivered to my address a box which was in which there was 100 piece of screws. The box weighted 2.30lbs on XXXX label. I still have the box here, and will send you photos and everything. 
Here is the detail on the box delivered by XXXX to my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan, XXXX Weight = 2.30lbs 183 12 x 6 The sender of box is XXXX XXXX XXXX who is totally different than the name on my XXXX transaction report. That person who toke the {$460.00} out of my checking account is XXXX XXXX. 2 persons involved in this case. It looks it is an group of scammers who are doing this. 
When I received that box, I realized that someone was smart and scamming me with a fake box. So, I immediately called Wells Fargo Fraud department to report that. Because for me, there is a correlation between my XXXX Scam and the box full of screws that I have received. 
After that I sent a letter to the bank, they responded again with a denial of refunding me my money. I am a XXXX Personnel, I will not tolerate to strive to serve the country and some scammers will be stilling my money in my bank account. The bank did not care. 

So, after investigation in my side, I realized that one of old friend has used my old computer and logged into my account and got scammed in a laptop purchase through " Let 's go app ''. The scammer used a fake identity and fake number using " XXXX XXXX '' to hide their phone number. However ; I got the exact phone number where my money went which is XXXX. 

So what I need is my money back from Wells Fargo bank since they have all the information of the sacammer who is XXXX XXXX, so that they can reach out them. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$180.00} STATE OF MI XXXX XXXX {$440.00} XXXX   {$180.00} XXXX {$830.00} XXXX {$560.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$570.00} XXXX XXXX {$200.00} XXXX XXXX {$960.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached affidavit which has already been submitted to both XXXX XXXX XXXX and XXXX XXXX XXXX. And Equifax has the audacity to sent a letter to me the consumer, natural person, and original creditor stating that this alleged debt, this charge off was validated and that the alleged debt was mine. This has infuriated me, I personally feel threatened being that with that XXXX XXXX and Equifax are both telling me they are above law in which Congress enacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... .Requesting that these accounts be removed. 

In accordance with the Fair Credit Reporting act Convergent Account 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, credit repair services, or other personal consumer reports

I received an email stated that I had received an hard inquiry on my equifax account from XXXX XXXX on XX/XX/2023. I then called XXXX XXXX Account Protection Dept. and spoke with XXXX on XX/XX/XXXX, XXXX. She stated that she didn't see anything that shows anyone opened a new account or applied for another card. She also told me to call Equifax to speak with them about the matter. I called Equifax and spoke with XXXX rep # XXXX and explain to him the same process and he told me he couldn't help me and advice me to call the Federal Trade Commission ( FTC ). I then call FTC and only spoke with automatic teller that gave me a telephone number to Consumer Finance along with an email address. Called consumer finance and the employee walked me through what need to be done to file the complaint. I did everything that was ask of me to complete this process. I just need some assistance with getting this inquiry off my credit report please.
Product: Credit card or prepaid card

Reviewed my credit report last month and is showing Sears-citibank as reported balance of XXXX + with all National Credit Bureaus. Prior to last month of viewing my report, I received letter from an agency asking for this alleged balance. Til date I have not received any validation of this balance upon request from this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX  ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. 
The companies in question for the alleged debt are as follows : 1 ) XXXX XXXX XXXX XXXX  ( XXXX XXXX ) 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  ( Reinserted into XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report has absolutely no record of any reporting on my 2 credit card accounts with Capital One. I have made many phone calls to both Capital One and XXXX over the past several months but this problem is still not solved. 

XXXX says that Capital One is not reporting. Capital One says they are reporting. XXXX tells me to contact Capital One. Capital One tells me to contact XXXX. Nobody is willing to take action to solve this problem. 

I wrote a letter to XXXX to dispute my incomplete credit report on XX/XX/2019. They responded by sending me a copy of my credit report. However, I was not requesting a copy of my credit report. Rather, I was disputing the incompleteness of the report. 

By failing to properly respond to my complaint within 30 days, XXXX has violated my rights under the Fair Credit Reporting Act.
Product: Credit reporting

I requested a copy of my credit report via Annual credit report. I contacted Transunion on XXXX XXXX, XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Tranunion stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Tranunion because they had no record of my ever applying for credit with them and stated it was Tranunion 's error. I sent a letter via certified mail on the same day, tracking number XXXX which they received XXXX XXXX, XXXX requesting again for a few credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Transunion explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Transunion even after it has been brought to their attention : XXXX on XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX ( the inquiry on XXXX/XXXX/XXXX was authorized by me when I opened an account this past XXXX, according to XXXX XXXX the XXXX/XXXX/XXXX should be a promotional inquiry NOT a hard inquiry ). 
I am requesting that Transunion, immediately remove the aforementioned credit inquiries.
Product: Credit reporting or other personal consumer reports

Transunion is reporting the wrong balance for account XXXX XXXX. Transunion is reporting a balance of {$460.00}, when the attached documentation shows that this account was charged off years ago with a balance of {$410.00}. Furthermore, this account would have had a {$0.00} balance when this was sold to a third party. This account is also past the statute of limitations in the state of Texas and should have been removed in 2022. XXXX and XXXX have deleted this account. I am demanding that this account is removed within 7 days due to your inaccurate reporting of an outdated account.
Product: Credit card

On XXXX My Chase Freedom credit card was charged by Justfly.com twice for an unauthorized use. I called Chase Fraud department to report the unauthorized use and they put a temporary charge back on my card. 2 months later, Chase sent me a letter saying that they put the charges back to my card since they have deemed the charge as legitimate. My authorized user and I did not access XXXX website due to previous problems with the company so how can they say that the charge was legitimate. 

Also, upon trying to contact XXXX, their phone numbers are all automated which require a reservation number. Because I didn't use their services, I'm not able to bypass the automated call and speak with a real person about the charge. 

Around XXXX of 2022, I already had to dispute a charge connected to Justfly.com and I ended up having to complete the payment due to the dispute department saying that I am responsible for the charges. Because I did not want to have to deal with the problem any longer, I just paid for it in full. My mistake was I did not change my credit card number which may be the reason why XXXX was able to make a new charge in XXXX. 


Now that I have received the letter from Chase that I was charged back for the unauthorized use of my credit card, I contacted Chase fraud department again to escalate the issue asking how I they decided that my charge was legitimate. The associate I spoke with said that the merchant told them that it was my authorized user that made the purchase. I verified with my authorized user and she told me that she had not had any contact with XXXX since our bad experience with them in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All information XXXX ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) is reporting to the credit bureaus is inaccurate for the following reasons. ( Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with XXXX  ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) prior to XX/XX/XXXX. XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX XXXX. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying XXXX until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.
Product: Vehicle loan or lease

I am writing to file a complaint against Santander Consumer USA regarding the repossession of my vehicle. As a XXXX single mother and XXXX XXXX XXXX XXXX, I have been facing multiple hardships, including an inability to renew my vehicle registration with the XXXX  XXXX XXXX XXXX ( XXXX ) due to my abuser being listed on my cars title. 

Despite being transparent about my situation and the challenges I am facing, Santander Consumer USA has repossessed my car. This has had a detrimental impact on my ability to work, attend medical appointments, and care for my children. I am being forced into a cycle of financial hardship that I can not escape due to the actions of Santander. 

I am requesting your intervention to investigate this matter and assist me in finding a resolution that allows me to regain my vehicle and financial stability. 

Thank you for your attention to this matter.
Product: Checking or savings account

Dear Consumer, The Division of Banks ( Division ) is the regulating authority for state-chartered institutions in the Commonwealth of Massachusetts. Citizens Bank is not a state-chartered institution, but rather a federally chartered institution ; as a result, Citizens Bank falls outside the Division 's regulating authority. Citizens Bank is regulated on the federal level by the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB may be reached at XXXX or at the address listed below : Consumer Financial Protection Bureau po box 4503 Iowa City, IA 25544 www.consumerfinance.gov ( F ) ( XXXX ) XXXX The Division appreciates your correspondence and hopes that this matter can be resolved with the appropriate regulating authority. 

Regards, XXXX XXXX XXXX  Massachusetts Division of Banks From : XXXX, XXXX XXXX XXXX XXXX ) XXXX Sent : Monday, XX/XX/2022 XXXX AM To : XXXX Consumer Assistance XXXX Subject : complaint against Citizens Bank Importance : High CAUTION XXXX This email originated from a sender outside of the Commonwealth of Massachusetts mail system. Do not click on links or open attachments unless you recognize the sender and know the content is safe. 

Citizens Bank, update made to website has blocked all your members from accessing their loan and bank information. Complaints made to individual banks and impossible to get help from customer service representatives The website does not recognize my information and instructs me to contact customer service. The chat option on your website is not activated, there is no email option, hold times are downright insulting ; for technical support 1 hour wait time. How can a bank treat customers like this. I even tried the corporate office phone number posted ( XXXX ) but it just disconnects mid-ring. If not resolved Ill be forced to go to another bank. 
I can't access my accounts. Feel I'm being forced to do online banking when I don't want to except to view my accounts. There's other who wrote complaints on Citizens corporate web site.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

This complaint is regarding account XXXX XXXX, which you claim I opened a credit account on XX/XX/2013 for {$500.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.
Product: Bank account or service

On behalf of the XXXX customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : IC3 Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXScottrade 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that Scottrade also provide a public response.
Product: Debt collection

XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 Multiple contacts with CMRE and supervisor XXXX XXXX XXXX to immediately cease all collection activity as FTC Identity theft Affidavit and multiple police reports provided. 
XXXX XXXX XXXX XXXX XXXX XXXX indicated he would contact XXXX  and XXXX  to delete the fraud account, and sent a deletion letter to me via email. 


Numerous conversations with XXXX  : representatives XXXX XXXX and XXXX, 2021 indicating that CMRE has not sent Deletion letter on the above referenced account, nor have they sent via E Oscar the proper coding for deletion of this Fraud Account.