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

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 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
Product: Bank account or service

On XXXX XXXX, 2017, a Chase Bank branch refused to open a savings account in my name unless I provided detailed information about my personal investment accounts. I provided the name of my investment company which is among the largest in the US, but decline to provide information about the value of those assets. Chase said federal law required me to provide the information in order for the account to be opened. On XXXX XXXX, 2017 the Chase customer service line confirmed by telephone that the branch was correct in its refusal to open the account. ( I have another account at the branch with a significant balance. It has been there for several years. ) I was able to open the savings account at another bank the same day without having to disclose private financial information.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLEASE UPDATE THE PAYMENTS STATUS THIS 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or inquiries Hello I'm a XXXX and I'm very busy. I have so many inquiries and collection accounts that doesn't belong to me I need them removed please. How can a collection agency put information on your credit and you never signed anything with them? This is all illegal. There's no names of these agencies. They talk very unprofessional. They cant proof this is mines. I contacted the three credit bureaus several times and no answer to a solution. They say its the collection agency the collection agency says its the credit bureau INQUIRIES Experian Inquiry : XXXX/XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXX XXXX llDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX XXXX  Inquiry : XXXXDate of Inquiry : XXXX Inquiry : 1 XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, VA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : C/O XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX   XXXX, NY XXXX | ( XXXX ) XXXX Inquiry : XXXX-XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, WI XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXXtDate of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, GA XXXX | ( XXXX ) XXXX ACCOUNTS Balance {$450.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Balance {$560.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Balance {$470.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Balance {$270.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Balance {$270.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Balance {$1700.00} Original Creditor : not available
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Filed with CFPB To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with Upgrade Loans, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX Date of Birth XXXX XXXX XXXXXXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT THAT HAS BEEN REPORTING AS A DEROGATORY AND HAS BEEN CAUSING SERIOUS DAMAGE TO MY CREDIT. PLEASE HAVE THIS NEGATIVE ITEM OFF MY CREDIT.
Product: Debt collection

I am submitting this urgent and formal complaint against Credit Control LLC for its willful, negligent, and harmful reporting of inaccurate information on my credit report. The debt in question allegedly originated from XXXX XXXX and was previously reported by XXXX XXXX XXXX. After a complete investigation, XXXX removed the entry, acknowledging it was not valid. 

Despite this, Credit Control LLC has knowingly re-reported the same invalid debt, in what can only be described as a deliberate and reckless violation of my rights as a consumer. Their continued misconduct is now causing serious and measurable harm to my credit, my livelihood, and my financial future. 

This is a Matter of Legal and Financial Urgency. 
I have formally disputed this debt and requested debt validation multiple times. 

I specifically asked Credit Control LLC to provide : A copy of the original agreement bearing my signature ; A complete itemized account history showing how the balance was calculated ; Proof of legal ownership or assignment of the debt ; And identity verification, including confirmation that the account is legally and correctly attributed to me. 

They have failed to provide any of this documentation. 

Worse, after I submitted my full Social Security Number for verification, Credit Control LLC falsely claimed not to know who I was and acted as if they never reported the account even though the collection is currently on my credit report under their name. This deceptive conduct suggests either gross incompetence or intentional evasion of responsibility. 

In addition, the name associated with this debt does not match my legal name a fact I had previously verified by submitting government-issued identification. Their repeated failure to correct this after multiple disputes and identity verification demonstrates a blatant disregard for the law and for my rights. 

Serious Harm Caused : Due to Credit Control LLCs unlawful reporting : My XXXX XXXX has dropped XXXXXXXX XXXX directly damaging my ability to secure housing, employment opportunities, and financial products. 

I am now at risk of being denied essential services, housing options, and other life necessities because of an error they have the legal obligation to correct. 

This false and damaging entry is having a real-world impact on my livelihood, and the emotional and financial toll is growing daily. 

Clear Violations of Federal Law : Credit Control LLC is in direct violation of multiple federal statutes, including : Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) Knowingly reporting false or inaccurate information. 

FCRA 611 ( 15 U.S. Code 1681i ) Failure to conduct a reasonable reinvestigation.

FDCPA 809 ( 15 U.S. Code 1692g ) Failure to provide proper debt validation.

FDCPA 807 ( 15 U.S. Code 1692e ) Use of false, deceptive, or misleading representations.

FDCPA 805 ( b ) Failure to properly identify the consumer after validation and verification were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given my written instructions to furnish this account so please remove this from my credit.
Product: Debt collection

1. I was repeatedly receiving calls from NCB Management at home, and on the work phone. I sent NCB a letter on XX/XX/2019 ( attached ), advising them to : ( a ) stop calling me at my place of business, as my employer forbids this. 
( b ) stop using deceptive practices such as using local numbers for out of state collection companies. This deceives the intended recipient into thinking it is someone local. The collection agency does not have a local or instate office. 
( c ) On XX/XX/2019 I received a letter from NCB that stated in writing they I would no longer receive calls from them. ( attached ) ( d ) Despite receiving the above letter of XX/XX/19, on XX/XX/2019 I received a phone call from NCB, on my work phone, again using the same local deceptive number. I took a cell phone picture of my work phone ( attached ), which clearly shows the date and time. 

2. I never received a notice of validation of debt from this debt collector when i asked for it again in writing on XX/XX/19 ( attached ), I still never received it.
Product: Student loan

In 2005, I went to XXXX XXXX XXXX. They directed me to Bank One JP Morgan Chase for private student loans. JP Morgan Chase approved, over the course of three years, XXXX {$30000.00} loans for a total of {$90000.00} to a borrower with stated income of {$24000.00} per year with a cosigner who also made {$24000.00} per year. The monthly payments for these loans is {$410.00} each, for a total of {$1200.00} per month. My income, after taxes, was around XXXX per month. The debt to income ratio would have been 77 % not including paying for a roof over my head and other necessities. In making a decision for approving a loan, the lender can not assume any other factor other than the stated income of the borrowers. XXXX XXXX XXXX cancelled my program before I could graduate. As a result I, of course, defaulted on the loans. They have been turned over to XXXX XXXX XXXX, a debt collection agency, that took me to court without informing me and got a default judgment in XXXX County, WA for a debt now for over {$150000.00}. I have been terrorized by those debt collectors for ten years. I literally see a psychiatrist for stress and anxiety due to this situation and I can direct you to his contact information if you require proof of that.
Product: Credit reporting or other personal consumer reports

I recently reviewed an updated copy of my credit report and discovered several errors and discrepancies in the information furnished by your agency. This inaccurate reporting is concerning, as I am preparing to apply for a new line of credit, and these inaccuracies could result in an unjust denial of my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied credit line from XXXX XXXX due to delinquent student loan report on credit report. Contacted XXXX since I had been paying on my account and filed a dispute with TransUnion. XXXX informed me that they did not report to the bureaus as my account was not in default. I then received a forbearance. Dispute from credit bureau stated info correct. Contacted XXXX again where they verified the loan was not in default and had not been reported to the credit bureaus. Sent a letter that states as much. Filing another dispute with crwdit bureaus with documentation attached. Contacting this agency with concerns the reporting is obviously fraudulent. I believe local law enforcement agencies and XXXX County School District depts. responsible for fraudulent reporting as means of retaliation for grievances, complaints, and EEOC claims of bullying, harassment, discrimination, and retaliation.
Product: Checking or savings account

From XX/XX/2023 to XX/XX/2023, a total of 14 unauthorized transactions were made to my Wells Fargo debit card. Four transactions were made on XX/XX/XXXX, each transaction was for {$500.00}, totaling {$2000.00}. One transaction was made on XX/XX/XXXX totaling {$400.00}. A total of four transactions were made on XX/XX/XXXX, one for {$400.00}, one for {$1000.00}, one for {$1000.00} ( again ), and finally one for {$400.00}, totaling {$2800.00}. One transaction was made on XX/XX/XXXX, totaling {$500.00}. Three transactions were made on XX/XX/XXXX, one for {$800.00}, one for {$700.00}, and one for {$500.00}, totaling {$2000.00}. One transaction of {$300.00} was made on XX/XX/2023. This brings the total of unauthorized transactions to {$8000.00}. Im not sure who stole my debit card information during this time ( could have even been at a restaurant, or anywhere ), I tried calling Wells Fargo multiple times and explained my situation and why my debit card was not reported stolen until XX/XX/XXXX. I let them know I was unaware my debit card was being used by someone else, they still are not cooperating and refunding me my money. How am I at fault someone stole my information and was using it without me knowing? I will keep trying to contact Wells Fargo, hopefully we can work something out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00}
Product: Credit reporting or other personal consumer reports

I did not approve these inquiries and strongly believe they are deceptive. I urge you to conduct a thorough examination and promptly erase them from my credit file.
Product: Credit reporting

There are XXXX accounts that belong to my son XXXX XXXX XXXX XXXX and I am XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70000.00}
Product: Student loan

On XX/XX/2018, I filed income-driven repayment plan request. I received an email from Navient stating that my request was approved. My payments were showing to be lowered to {$32.00} for the following month of XXXX. However, as of today it has changed back to the amount {$150.00} without any notification from Navient. I would like clarity and guidance as to why this is happening and for it to be resolved.
Product: Credit reporting or other personal consumer reports

THE DATES ON THESE 2 ACCOUNTS REMAIN INCORRECT!!! I HAVE CIRCLED THEM AND WROTE IN THE CORRECT INFORMATION! WHAT MORE NEEDS TO HAPPEN???? THE CREDIT STAFF AT OPP LOANS IS COMPLETELY INCOMPETENT & ILL TRAINED IN HOW TO REPORT ACCURATE CREDIT INFORMATION! YOU ARE NO BETTER! 

THE DATES ARE WRONG!!! LAST TIME I INTEND TO DISPUTE THIS! OPP LOANS REFUSES TO ACKNOWLEDGE THIS IS ABOUT THE DATES NOT - THE - LOAN - AMOUNTS!!!!!
Product: Checking or savings account

There has been an ongoing investigation with my bank ; Ally the fraud bank. I told Ally bank that I got scammed and hacked. I was scammed by this fake XXXXXXXX XXXX XXXX XXXX XXXX pop up. This happened back in XXXX, they told me they couldn't recall the funds because they were no funds in the account. Now today I called them this morning around XXXX, asking what is the status on the account. XXXX from the fraud dept told me that they were only able to retrieve {$600.00} from the fraudster as of yesterday XX/XX/year> and now they're working on closing the account. So where did the fraudster get {$600.00} from? all of a sudden and how were they able to get that money so quickly, right after I made my complaint. It's clear that they have some type of connection with the fraudster and they have been working together against me. They had to tell the fraudster to give me back some of the money in order to get me to XXXX XXXX  These people are liars and I don't trust anything that they say. It's all a hoax to steal from me. I want all my money back not some. I believe they have my money somewhere and is withholding it from me out of spite. This is unacceptable!!! I entrusted these people with my hard earned money and this is how they repay. XXXX I refuse to do business with such a fraudulent bank.
Product: Money transfer, virtual currency, or money service

Get Western Union App Send money around the world and get updates on your transfers at any time Download now logo Menu Transfer Status Tracking # ( MTCN ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYour money transfer was successfully sent. Expect delivery to your receivers bank account by XX/XX/year>. 
Home About us Contact us Refer a Friend Blog Help Fraud awareness Report a security bug Investor relations XXXX Western Union XXXX XXXX XXXX an agent Payment solutions State licensing Law enforcement subpoena information Terms and Conditions Online Privacy Statement Sitemap Cookie Information Accessibility Statement How to find your WU tracking number Send money with confidence Services may be provided by Western Union Financial Services , Inc. NMLS # XXXX and/or Western Union International Services , LLC XXXX # XXXX, which are licensed as Money Transmitters by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX See terms and conditions for details. 



XXXX Western Union XXXX XXXX XXXX All Rights Reserved Follow us on XXXX
Product: Credit card

In XXXX this year, I purchased with my Wells Fargo Cash Wise Visa four airplane tickets in the amount of {$4700.00}. I paid in full my credit card and haven't used it since then. 
In XXXX the card was hacked and someone used it mainly for buying airplane tickets as well in the amount of over {$7000.00}. I informed Wells Fargo. They issued me a new credit card and returned the money plus {$4700.00} more. I noticed that and decided that they made a mistake and called them XXXX times to take their money back. In XXXX, they finally took the money. XXXX days later, I had to fly to XXXX, but my ticket was cancelled. I had to buy a new one which was {$800.00} more expensive. I realized that the amount of {$4700.00}, which I considered their money, was actually the amount from all my cancelled tickets that I bought with my money. 
The bank made a huge mistake, although I sent them a letter which clearly stated the purchases that I made and the ones that were made by the hacker. I was left without money and without my tickets. I went through awfully stressful time and was punished to pay for new, much more expensive tickets. 

Please help me receive my money back by making them resolve the claims ASAP. 

Claim # XXXX for {$1400.00} XXXX ; Claim # XXXX for {$2800.00} from XX/XX/year> ; and XXXX claims the are closed by the bank, but there is not any additional money in my account : Claim # XXXX for {$210.00} and Claim # XXXX for {$220.00} Thanks
Product: Checking or savings account

I had a business bank account with US Bank. The checking account was closed by the bank, but the balance remaining in my account was never returned to my company. I have been requesting the funds for over a month and no banker has been able to give me an answer as to when the funds will be released to my company from the closed account. Each banker that I have spoken to has either left me on hold or just simply hung up on me. The amount owed to me is just over {$2000.00} which my company needs to pay its overhead. The business account has been closed for over a month now and with each day that passes no XXXX  XXXX, XXXX XXXX XXXX, or XXXX XXXX can let me know when the funds from the closed account will be returned to my business.