23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

this compsny will lie to save theirselves!! listen to me closely. THIS WILL BECOME A LAWSUIT YOU GUYS ARE DEFRAUDING ME AND MY MONEY YOUR REPRESENTATIVES ARE LYING ON RECORDED CALLS.. 
Claim # XXXX I am formally demanding the immediate reversal of unauthorized ATM withdrawals from my account after my debit card was stolen. I reported this fraud and submitted a police report, yet my dispute was wrongfully denied. 

Furthermore, your representatives lied to me, falsely claiming there was no email or way to submit my police report. I have transcripts proving this. Because of your mishandling, I missed my rent payment, causing me financial hardshipand I now demand restitution in addition to my stolen funds.i call the bank and i have valid voice recording of them denying my claim to reopen my dispute and shes literslly avoiding all my questions These Transactions Were Not Mine I Do Not Own a Car I do not own a car, nor did I have any means to travel to these ATM locations. The transactions made were physically impossible for me to conduct. Since my card was stolen and my PIN was taken with it, these withdrawals were 100 % unauthorized.

Wells Fargo Is Violating Federal Law ( Regulation E 12 CFR 1005.11 ) Under the Electronic Fund Transfer Act, banks must : Investigate reported fraud within 10 business days ( or provisionally credit my account while investigating ).

Reimburse unauthorized transactions unless you can prove I personally authorized them.

Since you can not prove I made these transactions, your failure to reverse them is a clear violation of federal law.

If I do not receive a response confirming my refund and restitution within 24 hours, I will escalate this matter by : Filing formal complaints with the CFPB, OCC, and FDIC.

Pursuing legal action against Wells Fargo for violating Regulation E and damages. 
I expect an immediate resolution. Refund my XXXX money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

I, XXXX XXXX, need help from the Consumer Financial Protection Bureau to solve the problem with my student loan which was bought by 3-d party company called Nelnet.com and double it since then. 
This 3-d party Nelnet.com has NO Ties with US Federal Government. A few times, when I try to recertified my student loan through US Department of Education website I got a message to contact directly to 3-d party Nelnet.com. 
My concern about Identity Theft by unknown 3-d party Nelnet.com and double my student loan. Why 3-d party exist as student loan provider for US citizens and no student loan for illegals? 

Conclusion : The Consumer Financial Protection Bureau, please, check with US Department of Education on what grounds Nelnet.com bought my student loan from Federal Direct Loan Program Direct Loans and double it? 
Why US citizens are attacked by 3-d party like Nelnet.com and are provided with All financial information? 
This 3-d party scam Nelnet.com has to face an investigation as a US student loan service! 

It is very disturbing for me as US citizen to be obligated to repay student loan to unknown party, when illegals just take Advantage for FREE Education. 

Sincerely, XXXX XXXX
Product: Debt collection

on XX/XX/XXXX at XXXX XXXX, I was checking my annual credit report and i saw that voss & klein was reporting a debt that is not owed for services rendered at XXXX XXXX. I contacted them and requested them to validate the debt and they supplied me with multiple invoices, 3 that show that my balance was XXXX, plus a typed up letter from XXXX XXXX without an official letterhead, no signature and dated XX/XX/XXXX almost 9 months after I received the service. As the invoices submitted by Voss & Klein clearly indicate that the account balance is XXXX, they still continue to try and validate this account as accurate. I spoke to XXXX XXXX via phone on, XX/XX/XXXX XXXX XXXX and I also send her an email disputing the debt, bringing to her attention that the invoices show a balance of XXXX and that I demand she cease all collections and remove this erroneous and damaging information from my credit report. I again checked my credit on XX/XX/XXXX and I saw that this information was still on my report at which point I sent out information to the credit reporting agency and they stated that it was actually validated again on XX/XX/XXXX by Voss & klein. I mailed out a dispute letter to Voss & klein on contacted Voss & klein again on XX/XX/XXXX and demanded a legitimate validation of this debt, a signed contract that says I am a signed agreement with Voss & Klein or XXXX XXXX agreeing that I owe this debt and she sent me the same exact invalid documents that she sent in XXXX. Now ive been to XXXX XXXX and they will no longer discuss this with me because they have an agreement with Voss & Klein so they can no longer discuss this matter with me. 
The burden of proof is with Voss & Klein and they have not been able to supply me with any legitimate proof that this is a valid debt nor that I have any signed contract with them authorizing them to collect any money or giving them the right to report this damaging information to the credit reporting agencies. I have been denied credit, financing and lost out on apartment rental due to Voss & Kleins bogus, inaccurate and unverifiable reporting. I ask that Voss & Klein cease all collection efforts and delete this damaging information from my credit report. 
Respectully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today I received a letter from American First Finance, LLC saying that a loan application at XXXX XXXX XXXX XXXX was denied. Neither I, nor my wife, have ever applied for a loan with this company or AFF. The letter is dated XX/XX/2023 for a loan request supposedly made on XX/XX/2023. Their website 's chat line did not work. I called the company number and, eventually, was given a second number to call. I explained the situation and was told someone would " reach out '' to me. I am concerned that someone, either has some personal information of mine, or that the finance company is grossly disorganized.

American First Finance, LLC XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Debt collection

Please provide payment history for the full duration for my account as a customer with your company. 

For the state of XXXX XXXX and the transfer to XXXX XXXX  once I relocated. 




Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX BANK ) XXXX Balance : {$670.00}, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX and XXXX and I am including these accounts again.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following unauthorized account from my credit report, as I am a victim of a data breach. The account listed below was opened fraudulently using my personal information, and I request its immediate removal in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to be Blocked and Deleted : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/year>XXXX XXXX Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate. 

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!
Product: Mortgage

XXXX, XXXX, and EXPERIAN each has reported a collection account including from XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) and any other putative creditor in connection with hospital care related to her minor children. All those medical services are required to be covered under California Children 's Health Insurance Program ( CHIP ). XXXX, XXXX, EXPERIAN and their medical professional agents fail to understand that as a patient undergoing non-elective treatment they are a ward under the physicians care. In other words, a baby rushed to the emergency room because of a high fever simply can't receive a hospital bill later because the attending medical staff merely overlooked the health insurance mandate for children in the state of California and failed to enroll them.
Product: Debt collection

Hi, My name is XXXX XXXX and I have a an issue with Frederick J. Hannah and Associates where they alleged intimate clients to sign a statement to pay them money on a debt that they do not have the right to do so. Also, presenting false affidavit to the court and saying that they are representing XXXX XXXX credit company to collect money from me. Last year the attorney presented this information to the courts in XXXX XXXX and seek a judgement against me. On XXXX XXXX, 2015, I received a letter from them that they have filed a garnishment on my wages with the XXXX XXXX XXXX XXXX and my employer. The Case Number for the Garnishment is XXXX. I need help quickly as to what shall I do to keep them from garnishing my wages. I have seen so much information on the internet where they was lawsuit filed on them by CFPB due to the Hanna firm relies on deception and faulty evidence to drag consumers to court and collect XXXX of dollars. Also, Intimidating consumers with deceptive court filings in collection suits that are signed by attorney when in fact the lawsuits are the result of automated processes and the work of non-attorney staff, without any meaningful involvement of attorneys. I need something in writing to take to the courts that this law firm is not suppose to be collecting money from consumers like myself due to they are in violation of certain codes. My email address is : XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my consumer report and noticed there are items on there that have reported my private and non-public information which I did not provide explicit written or verbal permission for them to do so, and this is identity theft. They have compiled a report on me that is supposed to represent who I am. This has caused reputable damage to my life ; this information has been used to validate my credit worthiness with other creditors. 

These furnishers did not respect my right to privacy under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility which is unfair and partial. They assumed the credibility of these companies that the information The furnishings were correct and accurate. They never had a permissible purpose under 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) 1 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 ( a ) ( 2 ) An Elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

The CRA has undermined my right to privacy, I spoke with their fraud dept to provide info regarding identity theft and to advise I had made a claim with the Federal Trade Commission FTC Report is attached and a copy of my consumer report # I demand Experian to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please understand I can only list from the file which I received from Experian, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to. 

My identification is enclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a regular consumer dispute of inaccuracies that's reporting on my credit profile. I haven't heard from Experian yet saying that they were going to start an investigation. Then I submitted a complaint on CFPB Instead of them starting an investigation to my issue they keep saying they don't believe its me submitting my complaint. This will be my 4th time submitting a complaint about Experian and I believe this is a stall tactic. I'm angry because I want these inaccuracies corrected now. I will submit a copy to FTC also. I don't understand why this taken so long or why its so hard for them to start/correct/complete my dispute. I've submitted everything they asked for and still no investigation has started. Its been well over the time for the investigation.
Product: Checking or savings account

The last 3 statements citibank has not honored payments made to my credit card companies causing several cards to close at the companies request and further damaging my credit worthiness. My score has continued to be lowered and now at its lowest point and very poor. Even more recently XXXX ink sent me a refund if {$88.00} but this was not honored by Citibank and was debited again from my account. My account remains overdrawn making my duties to pay back all my creditors impossible. Also whatever funds put into the account are taken away immediately as my checking account always remains overdrawn. Please help me get back the reimbursements due and more because of their negligence.
Product: Credit card or prepaid card

I have a Wells Fargo Visa Platinum Card - which i got it very recently. Some issues with their customer service as there is no chat and very long hold times if I try to call. Website is too old and not intuitive. 
Unfortunately as part of the account setup - i tried to setup alerts and notifications but it's not always working. 
I was always on-time in terms of making the payments. 
I was out of country during XX/XX/XXXX to XX/XX/XXXX. Didn't got any alerts and notifications from Wells Fargo. And it seems they charged me some Late fees of {$15.00}. 

When their customer service is so aweful, website is so minimal - they should at least forgive first time the late payment. And look for why the automatic payments and alerts/notifications are not working.
Product: Credit reporting or other personal consumer reports

I am writing with grave concern regarding a derogatory rating on my credit report. This negative mark has caused me significant worry and distress due to its detrimental impact on my creditworthiness. It has already adversely affected me, leading to the rejection of a recent loan application as well as higher interest rates being applied to my existing credit accounts. I can not overstate the severe financial hardship and emotional toll this inaccurate negative rating has inflicted upon me, and will continue to inflict until it is properly resolved.
Product: Debt collection

I participated in the XXXX XXXX XXXX XXXX by leasing a XXXX XXXX back in XXXX. The XXXX XXXX XXXX  was then sold to XXXX in XXXX and I returned the leased vehicle to XXXX  in XXXX of XXXX. I never received any notifications from XXXX regarding any outstanding amounts that were owed on the lease. More than 2 years after I returned the vehicle, the portfolio was again sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX apparently decided that I still owed {$400.00} on the lease ; however, I never received any correspondence from them regarding this amount. The balance was then apparently forwarded to Receivables Performance Management LLC. Again, I never received any phone calls or correspondence from RPM regarding the " amount owed '' and then I received a negative mark on my credit report due to this balance. I would like this negative remark removed from my credit report. I never received any emails from them either ( I confirmed they had a correct email ). I contacted RPM to remove the negative mark and they refused because they claimed they had attempted to contact me. However, they had outdated address information due to the lease portfolio being from nearly 3 years ago. I even have a friend still living at my old address who confirmed they never sent me any notices. They had my SSN so I am 100 % confident RPM could've obtained my correct address and contact information if any effort was put into that at all. This is a predatory company working with another predatory company. I would like to request again, through this complaint, that the negative mark be removed from my credit report.
Product: Vehicle loan or lease

To whom this may reach a loan was tried to be taken out in my name, not me!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally file a complaint regarding inaccuracies that have appeared on my credit report maintained by XXXX, XXXX, and Experian. I have been deeply affected by multiple data breaches over the years, most notably the Missouri hospital breach in XXXX, XXXX XXXX on XX/XX/XXXX, the XXXX breach in XX/XX/XXXX, and a recent incident on XX/XX/XXXX. 

These breaches have unfortunately compromised my personal information, resulting in fraudulent charges on my credit cards and unauthorized access to my bank account. In an effort to protect myself, I have had to open a new bank account, which has been both time-consuming and distressing. Despite my ongoing efforts to communicate with all three credit bureaus regarding these issues, the inaccuracies on my credit report remain unresolved, particularly concerning items I have disputed as fraudulent. 

I am reaching out to the Consumer Financial Protection Bureau in hopes of obtaining guidance on how to rectify these inaccuracies. I firmly believe that the data breaches I have experienced are directly linked to these discrepancies on my credit report, and I am eager to resolve this matter. I am more than willing to provide any proof of the fraudulent charges and the impact on my bank account that may be necessary for your review. 

It is essential for me to maintain an accurate credit report, as it significantly affects my financial well-being. I respectfully request your assistance in addressing these matters and helping me navigate the necessary steps to achieve a fair resolution. 

Thank you for your attention to this pressing issue. I look forward to your guidance on how to proceed. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a payment to TOTAL Visa in the amount of {$210.00}. They continue to claim the bank account number used for this payment was not able to be found. I have previously submitted the bank statement for the month of XXXX and will submit it once again to show it was active and valid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account in collections in the amount of {$420.00} XXXX XXXX XXXX account in amount of {$300.00} All of these accounts are fraudulent and opened illegally because I was a victim of the Equifax data breach. There is a need to insure consumer reporting agencies exercise the responsibilities with fairness and a respect to a consumers right to privacy.
Product: Checking or savings account

OK SO I WAS XXXX  BACK IN XX/XX/XXXX TO BE EXACT. I WAS XXXX   WITH XXXX XXXX XXXX XXXX XXXX. TO MAKE THE STORY SHORT. GOT XXXXXXXX XXXX XXXX XXXX XXXX XXXX. BASICALLY SPENDING XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. ENDED UP BEING IN IN XXXX  FOR YRS STRAIGHT. MY EX-BOYFRIEND NOW BUT BOYFRIEND THEN WAS ABUSIVE, CONTROLLING, VIOLENT AND A THEFT. HE WOULD ALWAYS CARRY MY ID SS CARD AND YOU NAME IT. SO WHEN I CAME OUT OF XXXX. ON XX/XX/XXXX I TRIED TO FILE TAXES FOR THE XXXX TAX YEAR. WAS TOLD THEY HAD BEEN REJECTED BY THE IRS. LOOKED INTO IT AND SURE ENOUGH SOMEONE HAD FILED THEM UNDER MY INFO. SO I CONTACTED THEM AND THEY SAID THEY COULDN'T HELP ME BECAUSE THEY HAD NO PROOF THAT I WAS REALLY IN XXXX AT THE TIME OF TAX FILLING SEASON. SO I SAID OK WHATEVER. DID DO ANYTHING ELSE BUT THIS YR WHEN I TRIED FILLING THEM AND THEY WERE REJECTED. SINCE I USUALLY WOULD FILE AS SOON AS THE SEASON STARTED THIS HAD NOT HAPPENED BEFORE. BUT THIS YEAR I WAS LIKE HA I AM GON NA TRY AND FILE THEM MY SELF SO IT TOOK ME LONGER TO FILE THEM. CALLED IRS ALREADY SENT IN THE DOCS. THEY ASKED ME FOR. BUIT AFTER THAT I START TO REALLY DIG INTO ALL MY INFO AND FOUND BANK ACCOUNTS PREPAID CARDS AND OTHER ACCTS THAT I HAD NOT OPENED. PLEASE HELP ME RESOLE THIS ISSUES