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

American Express Personal Savings Account # XXXX The N.C. unemployment website wouldnt accept my normal banks routing number to receive my unemployment benefits, claiming that the routing number didnt exist, so I looked up other banks routing numbers and American Express happened to be the first one I found that XXXX would accept. I filled out the application and was accepted for a savings account. A few weeks goes by and I am issued my first unemployment payment, with some back pay included for a total of {$2200.00}, but for some reason it wasnt direct deposited, it was issued to me in a check. Since I opened the account specifically to be able to receive my unemployment benefits through direct deposit, I went ahead and mobile deposited the check into the account so it would have a balance on XX/XX/2020. For new accounts they have an 11 day hold on mobile deposits after the check is approved, and I was aware of this at the time of the deposit. On XX/XX/2020 I receive an email stating my check was approved. On XX/XX/2020 I receive an email stating they have deposited my check for {$2200.00} into my personal savings account ending in XXXX. On XX/XX/2020 I attempted to login to my account to initiate a transfer into my checking account where I normally bank, and to my surprise I am unable to login. I contact American Express support and am told without any explanation that my account was closed and they would not be issuing me my deposited funds and wouldnt get any further explanation.
Product: Credit card or prepaid card

I disputed a charge with Chase for a hotel room that was slum at the XXXX XXXX XXXX XX/XX/2022 for a family reunion. The pictures on the internet did not match the room they gave us for 4 people. Carpet filthy, broken lights, filthy bathroom, room too small to accommodate 4 people. I informed Chase I had pictures so they could compare our room to what posted on the internet, but they said it wasn't necessary. I spent a whole day looking for another hotel during peak season, not to mention, they ruined our family reunion.

I called Chase 1 week after this event happened and the agent did say they would support me with the dispute and that there would not be an issue doing a chargeback. This was a recorded call.

Several weeks later, no chargeback. When I called, Chase said there wasn't a claim and that I was 7 days past reporting. I asked them to find the recorded message for when I initially called and they would not come up with that. 
I escalated to my account XXXX, who managed to reopen the case. Chase again denied it and would only offer me {$100.00} out of the {$340.00} disputed amount. I accepted the {$100.00} on the premise that this is not a settlement for the dispute.

Chase was horrible to deal with REGARDLESS of the several years I have been a customer with them with no issues.

Chase has no ethics and horrible customer service!!
Product: Debt collection

I opened an account with Mariner finance on XX/XX/XXXX and I wasn't able to make the payments due to personal reasons and The first time they called, I offered to pay over the phone but they didn't take debit cards over the phone, only through ban account. I wasn't comfortable with that and they continued to call me continuously for a few months. After that, they ran fraudulent inquiries on my credit report which I did not authorize on XX/XX/XXXX and again on XX/XX/XXXX. I paid my bill on XX/XX/XXXX and on XX/XX/XXXX, I received a letter threatening to sue me and to pay the amount in full. I called the company and asked why they kept running inquires on my credit report and they said that they had to run it because they hadn't heard from me. I asked them to remove the inquiries and they did not, even after the debt was paid. they also made my credit score drop 116   points.
Product: Checking or savings account

Wells Fargo is STILL denyingy fraud claims for unauthorized transactions on my debit and credit card from an online company based outside the XXXX called XXXX. Totaling XXXX and XXXX of dollars! 
They will not provide me information that they have spoke to XXXX, they will not give me a valid reason as to why theyre denying it, just saying they were authorized, some were but not XXXX per day for months. The charges came fe multiple different entities in and outside of the XXXX. WHY can Wells Fargo keep getting away with this! I also had fraud on my XXXX and they deemed it as fraud instantly and refunded my money in full?!
Product: Credit reporting or other personal consumer reports

I just order a copy off my credit report and noticed a bankruptcy on my file. Please delete it from file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an auto loan opened under my brother 's name that is appearing on my report. Despite numerous attempts to amend this, XXXX  XXXX XXXX has not fixed the issue and continues to report it to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively impacting my XXXX XXXX. The following accounts have been reported as delinquent or charged off, but I do not believe that I am responsible for them : First, the collection account from XXXX XXXX XXXX XXXX for XXXX. I have no recollection of ever having done business with this company and do not believe I owe them any money. 

Second, the collection account from XXXX XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX or XXXX XXXX XXXX regarding this debt. 

Third, the collection account from XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXXXXXX XXXX XXXXXXXX. I have no knowledge of this debt and have never received any communication from XXXX XXXXXXXX XXXX  or XXXX XXXX regarding this debt. 

Fourth, the charge off account from XXXX Bank for XXXX. I dispute this account as I have no memory of opening an account with XXXX Bank or receiving any communication from them regarding this account. 

Fifth, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Sixth, the charge off account from XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX or receiving any communication from them regarding this account. 

Seventh, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Eighth, the charge off account from XXXX XXXX XXXXXXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXXXXXX or receiving any communication from them regarding this account. 

Finally, the charge off account from XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

I believe that these items are inaccurate and are causing undue harm to my XXXX XXXX. As such, I request that you investigate these items and remove them from my credit report if you find them to be erroneous. 

Thank you for your attention to this matter. 

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

I received a text from XXXX XXXX if I had sent {$3500.00} in a zelle transaction and to reply yes or no. I replied no and received a call a minute later. I was coerced into sending a zelle transfer to myself for {$3500.00} to avoid losing my money. The scammer was able to spoof the banks phone number. XXXX XXXXXXXX XXXX  are refusing to refund my money because I sent the money willingly, despite their {$25.00} XXXX dollar profit margin. I filed a police report. I dont understand if my money is FDIC insured to {$250000.00} why they cant refund my money.
Product: Debt collection

I have been contacted on 2 separate days from XXXX and XXXX claiming to be a collection agency collecting outstanding debt. in my name from the online store XXXXXXXX XXXX. I've never used this store and I would not provide my last 4 of my SSN, my DOB or mailing address. 

When I asked them what they had for a mailing address on file they replied XXXX, TX. I have never lived there. 

I told them they could file a collection against me because it is not my debt and I wasn't paying it nor was I providing any information.
Product: Debt collection

account was paid and closed and they're stating it was not. paid in XXXX
Product: Debt collection

SEQUIUM ASSET SOLUTION XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account : XXXX Account Name : XXXX XXXX  Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX  ) & ( XXXX XXXX XXXX XXXX XXXXXXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to U.S. 15 Code 1681 ( b ) a2 this is my statement that this account has been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Nelnet : Account # XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items here : XXXX XXXX XXXX Balance Owed : {$1400.00}
Product: Debt collection

this was a bill that went to collection that should have never been a bill in the first place, I had paid my phone completely off 2 months prior as well they told me they were resetting all the plans so I had to resign up for a whole new plan and as well decided to try telling me I had to re pay for the entire phone when it was paid off so I decided to cancel my plan and its been effecting my credit ever since. I want to resolve this issue do to wanting to fix my credit and this is starting to affect my credit score in a very negative way to the point that I would like if something can be done do to not having accurate detail of amount owed as well havnt heard from them at all in regards to the matter and would like to have some sort of info needed in order to get accurate info to exactly why its so high and see what I can do to get it appropriately taken care of and taken off of my scredit score as soon as possible.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to XXXX promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The amount of is XXXX I use my apple credit card to purchase this item but received a defective item when I opened the dispute with my credit card I have sent a lot of evidence even the platform where I purchased the item suggest me to get a refund because the seller product been taken down because it is unsafe to use but apple credit card never rule on customer favor for fraud after taken 3 months now they said they cant refund me my money and Im tired because that is on every single dispute I made I ended up paying it
Product: Vehicle loan or lease

On XX/XX/2022 I sent out a cease and desist letter to stop all communication, a debt validation letter requesting to verify the debt from Westlake Financial. I did not receive any response for the requested information. I also sent in a right of recession, I am exercising my right of recession pursuant to 12 CFR 1026.23 ( b ) ( 1 ), Truth In Lending Act as I was never told I had 3 days to rescind the transaction, nor was I given the notices that come along with all consumer credit transactions. I am rescinding the transaction, and rescinding my signature endorsement. 

My second attempt was on XXXX XXXX. I sent out the same letters as before and no response. Westlake Financial is in violation of auto theft. On XX/XX/XXXX Westlake Financial stole my vehicle not adhering to the previous documents, cease and desist, method of verification, notice of recession and special power of attorney. I sent my letters as certified mail but I never received my return receipt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXXXXXX of XXXXXXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

There are inquires on my report that I did not authorize and must be removed immediately. 

XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, 2023 XXXX XXXX XXXX  ( Finance ) XXXX XXXX, 2023 XXXX XXXX  XXXX Bank ) XXXX XXXXXX/XX/XXXX2023 XXXX XXXX XXXX ( Auto ) XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Bank ) XXXX  XXXX 2023 2023
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction regarding uN AUTORIZED INQUIRIES IN MY REPORT This situation constitutes a breach of contract and potentially violates15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer report the Fair Credit Reporting Act ]. I demand immediate rectification of this matter. I insist on Deleting and require a written confirmation of the resolution within. Failure to address this matter promptly will leave me with no choice but to initiate legal proceedings to enforce my rights and seek appropriate remedies, including but not limited to damages, injunctive relief, and legal costs. 


Experian - inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DID NOT AUTORIZED
Product: Credit card

In XX/XX/scrub> 2024, somebody fraudently used my credit card to make XXXX purchases. I have no idea who or how they got my number. XXXX will not tell me any information despite my credit card being repeatedly used. I reported the fraud to Bank of America and they reversed the charge and issued me a new credit card. They told me since It was fraud, XXXX would be a blocked merchant on my account. I nor anyone in my immediate family have ever owned an XXXX and have never made any purchase on an XXXX. 

I have continued to repeatedly be the victim of fraud and have received several dozen charges from XXXX on a regular basis. These are for a variety of amounts and intervals inconsistent with a normal subscription. I have gotten several different credit card numbers but continue to get these XXXX charges. I learned Bank of America participates in a program called Automatic Billing Updater ( XXXX ) where if my credit card is run as a subscription service, Bank of America tells the merchant my new number and thye charge that card from then on. 

I have complained to Bank of America over 20 times and they refuse to remove me from XXXX and claim their only solution is to block the merchant and give me a new credit card number which has been done several times and does not work. They are unable to tell me why it doesnt work. XXXX is unable to answer any questions or remove my credit card because I do not have any account information with them. 

I do not think it is unreasonable to have Bank of America, which claims to go above and beyond to prevent fraud, stop giving my new credit card number to a company that has repeatedly charged documented fraudulent charges. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent Credit Collections a dispute to remove a PAID medical collection. I informed them that it falls under The Medical Debt Relief Act : Per Federal LAW it states : " paid-off and settled medical debts must be removed from credit reports that have been fully paid or settled ''. 

Since Credit collections didn't respond, I sent XXXX, XXXX, and XXXX a dispute stating the same thing, XXXX removed it however, I still have not received a response from XXXX or XXXX. 
XXXX updated comments to this : Account information disputed by consumer, meets FCRA requirements. I'm confident that this is also a violation of the FCRA considering no investigation was done. 

This is a violation of federal law and must be removed. It has yet to be removed, nor have they responded to me.
Product: Student loan

I contacted your company in regards to the Apex Processing center. This company was suppose to assist me with consolidation and managing student loan payments. I submitted a claim with your company the beginning of XX/XX/2023. I did immediately receive a response from an Apex representative. He told me all these things they have done with my account. I have contacted both of my lenders and my loans were never consolidated back in XXXX of last year as they claimed. I believe I was frauded. The representative that called me after I filed this complaint was to personally, his words, call me back in 2 weeks and that call never came. My contact info has not changed. This company took money from me and did not do what they said they were going to. I want them to not have anymore access to my student loan accounts and to refund the money they received from me for services they did not, and I totally have proof, they did not provide. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 



Open 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.