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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX "
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.

. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such
notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX XXXX XXXX  ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I made an international XXXX transfer from a non-sanctioned XXXX bank to a XXXX bank. Amount XXXX USD ( XXXX USD after sender 's fee ), Value date XXXX. The recipient of the money was an American bank CITIBANK N.A. ( XXXX ). The transfer was rejected by the XXXX bank ( CITIBANK N.A ) on XXXX. CITIBANK N.A. informed the sending bank about it. Since then the money has not been returned to the sending bank. On XXXX, the sending bank launched an investigation, but CITIBANK N.A. did not respond.

I filed a complaint against Citibank and received an answer that they are unable to find my transfer. ( CITIBANK answer attached ) I find their answer unsatisfactory.

1 ) They mixed up my name.

2 ) According to the attached letter from XXXXXXXX XXXX, CITIBANK received the transfer and rejected it. This means that CITIBANK must have information about my transfer. 

I request that CITIBANK use the data from the attached documents, including the gpi track number and provide me with information about my transfer and also return my transfer.
Product: Vehicle loan or lease

im writing this complaint because i sent Ally Bank a Request for accounting. Request Regarding List Of Collateral or Statement of Account. As of XX/XX/2022 they are in receipt of Certified Mail number XXXX XXXX XXXX XXXX XXXX and have 14 days from the time of receiving Affidavit to respond and i wanted to let your agency know that this request has been sent, as well as a email to the CEO XXXX XXXX at XXXX, as of XX/XX/2022
Product: Credit reporting

i sent in all verifying documents they did not take the items off i dont know what else to do from here .... i have contacted the beaureas to no avail
Product: Student loan

I have submitted my Employment Certification for all of my nonprofit employment periods and my eligible payments towards PSLF has not been applied. I should over 120 payments to begin my loan discharge but MOHELA/Fed student aid has failed to count these correctly and applied them to my qualifying/eligible payments for the dates of XXXX. Ive been told I just have to wait but XXXX and MOHELA has had this paperwork for over 3 years but they are not applying it correctly. And I asked for Forbearance or pause to monthly loan payments until issue resolved and they have denied my request.
Product: Student loan

I think my student loans- when being sold to servicer to services, have been mistakenly duplicated and so two different groups have my loans for roughly the same amount.
Product: Credit card or prepaid card

Albert Cash card sent in postal mail to my name/address - I did not apply or ask for this. Issued by XXXX XXXX  Card has XXXX logo, chip, card number/cvv, etc. 

Card received in mail on XX/XX/2022. 

No information, no disclosures, not contact info, nothing... 
Never applied for or asked for. 

No response from issuing back or albert.com website contact. ( found via XXXX search - and numerous XXXX and other reports of fraud by this vendor. )
Product: Debt collection

FMS ( XXXX, NC ) appears to be trying to pull a bait and switch scam regarding rehabilitation of my student loans. In XXXX 2016, I called FMS to negotiate a repayment/rehabilitaiton plan. After several hours on the phone, including a transfer to a supervisor, I was given a monthly payment amount I felt I could afford and agreed to direct debit from my checking account. I was told I would be receiving forms I would need to fill out and return and was given a list of other documents I needed to submit. Although I made several phone calls and left several voicemails to follow up, I never received the forms to complete. I nonetheless submitted the documents as requested. The monthly payments have continued to be debited from my checking account ; however, in the last week, I have begun receiving letters informing me that documents -- including the forms I never received -- are missing and that the rehabilitation agreement will be cancelled. 

This is clearly a bait and switch tactic, in which FMS lured me into an agreement, took money from me for several months and now is trying to cancel the deal and/or change the terms. 

I am appalled that a government agency like the Department of Education would do business with such shady debt collectors, and I am beginning to feel hopeless that I will ever be able to resolve my student loan default. If this approach is considered acceptable by reputable government agencies, then I might as well plan on staying in default until I die.
Product: Debt collection

I am writing to file a formal complaint against Wells Fargo Dealer Services ( WFDS ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically sections 12 CFR 1006.34 and 15 USC 1681-S2 ( 7 ) ( A ), as well as my rights as a consumer under the FCRA and other relevant laws. Additionally, I am a victim of identity theft, further complicating this matter. 

It has come to my attention that a collection agency, acting on behalf of WFDS, has placed a collection account on my consumer report without providing the necessary validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, the collection agency has proceeded to report this account, depriving me of the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Such actions by the collection agency constitute a clear violation of my consumer rights and the provisions of the FCRA. 

Furthermore, it is evident that the collection agency has engaged in misleading, misrepresentation, and deceptive practices, which are expressly prohibited by law. This not only undermines the integrity of the credit reporting system but also infringes upon my rights as a consumer. 

Additionally, the collection agency lacks the authority to furnish any account to consumer reporting agencies without providing the requisite disclosures, as stipulated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their failure to adhere to these legal requirements further compounds the issue at hand.

I hereby request that the Consumer Financial Protection Bureau re-investigate these accounts and verify their accuracy. I also request full debt validation, including the purchase agreements between WFDS and the original creditor, to be provided to me for my records. 
Furthermore, I remind the Consumer Financial Protection Bureau of its obligation under 15 USC 1681i to conduct a fair and thorough investigation into the matter, rather than placing the burden solely on the furnishers of information. 

the following item ( s ) To be FRAUDULENT Fraudulently REPORTING WELLS FARGO Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/23 I tried to activate my new credit card with Citi bank and they told me they cant help me due to them having to send a verification letter in the mail? But they were able to activate my card with sending a verification code through text? The supervisor couldnt even help me to understand as to why this is even a thing and I asked her if this was for all new accounts ( not even asking for information about my account ) and they told me they cant help me due to me not having said letter with the code. The customer service sucks
Product: Debt collection

The debt in question was deleted from my bureau reports several years ago after a failure to validate on the part of a different collector. 
This collector ( First Collect of XXXX, Delaware ) is clearly a junk debt buyer. They purchased the old file and made attempts to collect via a dunning letter. In my response I requested validation. I received the validation and immediately recognized the old deleted debt. I replied with another letter indicating that the debt had previously been deleted. Further, the statute of limitations for reporting passed no later than XXXX XXXX. 
First Collect proceeded to make an entry to my bureau reports despite having been advised of the SoL and the previous deletion. The also falsely reported to XXXX that the " account '' had been opened on XXXX XXXX, clearly the date that they bought the junk debt but misrepresenting that it was a new debt and/or a new delinquency. 
They have revived a dead account, ignored the statute of limitations even when their own " validation '' document supports my position, and they have violated the law by falsifying the date and character of the debt in my credit reports.
Product: Credit card or prepaid card

Hello, We planned a trip to XXXX for XX/XX/XXXX - XX/XX/XXXX. We were unable to go due to the COVID-19 pandemic ( the flight was cancelled, XXXX shut down its borders, etc. ) / One of the hotels we booked had a cancellation policy stating that if we cancelled prior to XX/XX/XXXX, we would be fully refunded less XXXX USD. 

On XX/XX/XXXX, we attempted to cancel this hotel booking with XXXX, a booking company that works with XXXX with whom we booked. XXXX 's website only had a landing page stating they ceased operations and people " may '' receive a refund. We tried calling their number - XXXX. It was disconnected. We then called XXXX who also tried to get in contact with XXXX - they said that XXXX had ceased operations and advised us to file a claim with our credit card company, Chase.

We filed a claim with Chase on XX/XX/XXXX for the refund of our {$750.00} USD. The claim was denied, and we received the denial on XX/XX/XXXX. We then called Chase to understand why the claim was denied, and they said that they contacted XXXX 's bank, which then got in contact with XXXX. XXXX sent a copy of our original booking confirmation ( see attached ) which outlines the cancellation policy : a refund les XXXX USD will be paid to cancellations made before XX/XX/XXXX. We explained to Chase on the phone call that we had no way of contacting XXXX to cancel our booking because they had ceased operations. Chase said that we had to submit another claim and there was nothing they could do. We even stated that XXXX 's current website ( XXXX XXXX XXXX ) states they filed for the US equivalent of Chapter XXXX bankruptcy as of XX/XX/XXXX. ( see XXXX ) We are at a loss - we don't understand how we could have cancelled our hotel booking with XXXX if the company had ceased operations, dismantled their website, and disconnected their phones. XXXX could not even get a hold of them, so I'm not sure what normal citizens like us could have done. 

We implore to please help, as this is no small amount of money to us. We would have LOVED to go to XXXX and stay in the hotel, but that was impossible due to COVID-19 - flights were cancelled, and XXXX 's borders were closed.
Product: Credit card or prepaid card

Chase Bank sent me an invitation for a credit card offer. I completed the application, I received an adverse action communication immediately. I called Chase Bank to speak with someone from the reconsideration dept ; the representative stated I needed to call XXXX to have them add a phone number to my account to verify my identity or go into a branch to show 2 forms of identity, called XXXX completed the action item XXXX said it would take 72 hrs to appear. I went into the branch of Chase bank to show my 2 forms of ID to a banker ; she called the reconsideration line to confirm my identity once that was completed, I was put on a bank phone to speak with a representative who asked me several questions about my consumer report. I was then place on hold, she returned to advise that I was denied, actually discriminated against based on ; collections, balances on other account and late payments on my consumer reporting agency. 

My rights have been violated because credit is the right granted in good faith 15 USC 1602 ( f ). The adverse action Per FDCPA is to the interest of the consumer because I came with the credit. Additionally, per the Congressional finds Chase Bank has deceived, abused, invaded my privacy and coersion. I the natural person have abundant evident to prove my what has occurred ; in addition to evidence, Chase Bank is in violation of a number of United States Codes such as ; 18 USC 1029 e ( 1 ), 15 USC 1691 ( EOCA ), 15 USC 1602 ( F ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX in XXXX : XXXX XXXX, XXXX of Complaint : This XXXX XXXX XXXX XXXX XXXX XXXX XXXX pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX dit reporting actency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a refinance auto loan with one main financial ( OMF ) in XXXX at $ XXXX at XXXX monthly. Now XXXX years later in XX/XX/XXXX, they are still aggressively trying to collect and repossess the vehicle, even though I have paid roughly $ XXXX or 200 % on the loan. The vehicle due to natural depreciation has little value in comparison to the balance due. The last statement I received in XX/XX/XXXX showed an ending balance of $ XXXX. I spoke to a representative who told me my original loan maturity date was XX/XX/XXXX but it will be another 3 years of payments to resolve this account. I feel like I was defrauded and not made fully aware of the interest & payment application of this loan. I requested a history of my account in XXXX and in review, the majority almost XXXX % of most payments have been applied to interest. I have requested many times to cancel this loan, when the car had value and OMF refused and bartered with a payment arrangement. I don't feel that the balance due is a true and accurate reflection of what I owe and this account should be resolved. OMF is taking advantage of customers and it feels illegal and extremely deceptive.
Product: Student loan

I took this loan in XX/XX/XXXX with a cosigner and under the belief that I would have the opportunity to consolidate the loans after I graduated a year after. This option was not available to me so my interest rate of 12 percent and 8 percent at a variable rate fluctuated tremendously. My  original XXXX XXXX dollar loan is not over 50 thousand dollars. 

With my cosigner I was also limited in my options. I tried multiple times to get my cosigner removed under the belief that as long as I made 12 consecutive payments and that my credit score was good I could get them removed. I was denied and never told why even though my credit score is high and my income has increased since XX/XX/XXXX. I was never told just how much interest would accumulate over these years and my repayment options were always either {$500.00} or more and that was not something I could afford. 

I was also misled in the belief that I could defer my loans as long as I went to school. I was told that it was only for temporary and when I asked for proof I was shown a promissory note that did not have this information at all. This was something that seems to have been tacked on after the fact. 

I am struggling to pay classes for my new degree and am overwhelmed by the high interest and the amount of interest that has been added on top of my comparatively low original principal of {$22000.00}. I am now trying to refinance which was an option I wasn't told I could take as I always tried working with Navient ( then called Sallie Mae ) to see if they had repayment programs that fit my budget.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Several charges were made on a card that I do not use for any reason and have not in years. I opened the card simply to enact a cheap balance transfer that was concluded years ago. 

The charges can not have occurred with the card in question as the card resided in a ziplock bag inside a drawer inside my own home. Citi are claiming the charges were made with a physical card which is impossible. Citi issued a new card and advised that I destroy the old card which I did. 

Citi claim that because the card was in my possession and a physical purchase was made that I MUST have been the one who made them. I of course did not and fear that identity theft or a breach at Citi has resulted in someone being able to access my information, or clone my card or some combination thereof.
Product: Checking or savings account

On XX/XX/23 at XXXX XXXX I started a transaction for an echeck at the XXXX XXXX XXXX location and my bank ( Chase ). I asked for {$2000.00} and the fee was to be {$82.00} for a total charge to my checking/debit account of {$2000.00}. I was then told to take the inital receipt to the cashier cage along with the debit card used and my ID to verify the transaction and show the card and id matched. At that time the cashier noticed the debit card was for my business and not a personal card. They have a policy to no business cards to be used. They did not process the transaction at the counter, did not swipe the card ask for pin or any signature. I stated that the bank already showed the amount as Pending and the cashier stated that the transaction would drop off in 24 to 48 hours as not completed. The bank took the money out of my account as completed and now says that they paid the casino the full amount and I need to get the money from them. The casino says they show no record of receiving the money nor did their processing company XXXX. XXXX says it was a cancelled non funded transaction. Bank will not provide me with any proof they paid the money or who the money was wired ( paid ) to. Just said XXXX XXXX XXXX but will not provide any info to trace the transaction. Casino and processor says they need info to track as they do not show any payment from the bank in my name. Chase bank refuses to help my any more and said it is my problem and to get with the casino. Have called over 15 times and get no help.