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

Today, on XX/XX/2020 I called USAA bank to remove consent from overdraft protection per Regulation E so that instead of incurring overdraft charges, they would The representative on the phone told me that it is USAAs policy that they will not remove overdraft protection from a checking account.

This is a violation of regulation E.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX  Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from Equifax, XXXX and XXXX, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to state that old information was reinserted and I did not receive a letter by law. Instead of removing the information immediately it was sent into dispute in which I should not have to wait an additional 30 days. This was on my report around XX/XX/2016 under credit protection and was removed in XX/XX/2016. By law I should have received a letter that included a certification of accuracy and once I informed the credit specialist it should have been removed, not disputed. The item is now reporting as XXXX XXXX XXXX XXXX. Even Public Relations, XXXX XXXX, from XXXX stated that they try to employ procedures that prevent this from happening where debts are sold and reinserted under a different name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2021 - XXXX  XX/XX/2021 NEGATIVE ACCOUNTS : - XXXX Account # : XXXX - XXXX  Account # XXXX XXXX XXXX Account # : XXXX - XXXX  Account # : XXXX - XXXX XXXX Account # : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Student loan

Nelnet keeps sending XXXX XXXX saying that XXXX owe {$0.00} and now days XXXX  that they're saying that XXXX past due and owe a large sum of money. They also have not put XXXX  on the XXXX repayment plan that XXXX enrolled in at the XXXX Department of Education 's website XXXX  ago. 
XXXX  have copies of the XXXX  showing that they said that XXXX  owed " {$0.00} '' up until a few XXXX  ago. 
Additionally, they don't offer XXXX  options for a forbearance while we figure this out. 
Please help XXXX  get a new servicer or get this fixed.
Product: Credit reporting or other personal consumer reports

My XX/XX/XXXXcredit report is showing a account with grow credit inc, a company i have never heard of. I have contacted grow credit inc numerous times to dispute this account. I can never speak to a live person, I have asked to be contacted but that has not happened. They refuse to call me they only use a chat box. The report shows that it is an real estate equity loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the list of corporations/accounts Below have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 section 602a States I have the right to privacy. XXXX XXXX for {$650.00}. 
XXXX XXXX for {$1400.00}. 
XXXX XXXX for {$750.00}. 
XXXX XXXX Bank for {$880.00}. 
XXXX XXXX  XXXX for {$100.00}. 
XXXX  XXXX delinquent account.

15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions or consent.

15 USC 1681 C ( a ) ( 5 ) States no consumer reporting agency may make a consumer report containing any of the following items of information.any. adverse items of information other than records conviction or crimes antedates by the report by more than 7 years.

15 USC 1681 s - 2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Two payments of {$1300.00} were made. One on XX/XX/2021 and the other on XX/XX/2021. 

A refund check was sent to me for {$1400.00} for the overpayment. Now, Synchrony Bank is saying one of the payments for {$1300.00} wasn't paid. Even though their records indicate it was.
Product: Credit reporting

I submitted a several disputes to Experian after being a victim of identity theft -- starting in XXXX. I submitted all the proper documentation. They are continuing to report a card loan that does not belong to me a. I asked for the item to blocked and thoroughly disputed, I also asked for validation proof. They did not respond or send proper documentation. They are now refusing to re-investigate.
Product: Credit card

TAKE NOTICE OF BILLING ERROR ACCORDING TO 15USC1666 CORRECTION OF BILLING ERROR : Securities fraud has been committed per SEC ACT of 1973 all trustee listed on 8k forms have a fiduciary duty to credit consumer account per dividend on treasury bond aka statements. JP Morgan has committed securities fraud and hasnt credited my account according to CFR 212.11.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the XXXX credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

The below complaint was submitted on XX/XX/25 under complaint ID XXXX, with no reply from Wells Fargo. Another mediation request was made recently, no reply. Prior mediation requests were made, denied stating a check was sent which was not received. 

Several mediation requests were mailed in to Wells Fargo, a total of four packets received, three filled out and sent in requesting a refund in the amount of {$610.00} in overdraft fees. The fees in question are a result of high pressure sales tactics by Wells Fargo reps to open accounts I did not need, with the presumption they were to be used for bill pay. A settlement amount was offered, agreed upon, no payment received. The amount, {$3700.00} was offered by an XXXX XXXX with Wells Fargo after speaking on the phone. Since no payment was received, additional CFPB complaints were filed requesting a refund of {$610.00}, this amount was shown on statements received showing a total of {$870.00} in overdraft fees ... Small refund amounts of {$85.00}, {$50.00}, {$120.00} were received prior and are reflected in my claim for {$610.00}. Most recently, a denial letter was received from mediation, citing a settlement check was cashed when it was not received by myself..When the settlement was accepted, I requested a hard copy of it from XXXX, she said she could do not do that.. I believe Wells Fargo is trying to hide their shady practices which respect to opening accounts to boost profits and charge fees to those accounts by offering a fake settlement as they would not put it in writing and have denied payment.. I am back to requesting a refund of overdraft fees which I total in the amount of {$610.00}, since no payment was received. This information will be sent along to attorneys investigating Wells Fargo as well as other financial institutions for their practice of charging overdraft fees. In closing, please advise Wells Fargo I will post my experience on several consumer rating sites to expose their shady tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and these are not my accounts I am requesting that these accounts be blocked and removed per FCRA 605 B XXXX XXXX / XXXX XXXX XXXX XXXX {$120.00} XXXX  xxxxxxxxxxxx XXXX {$3700.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX IS NOT MY NAME OR ME XXXX : ( XXXX ) XXXX H : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX NOT MY NUMBERS
Product: Credit reporting or other personal consumer reports

On XXXX, I identified a billing error in the amount of {$10000.00} on this account and promptly sent a formal dispute letter to XXXX via certified mail. I have documentation confirming the delivery of this notice. According to the Truth in Lending Act ( TILA ), XXXX was required to acknowledge my dispute and cease reporting the disputed amount to credit bureaus while conducting their investigation. However, they have failed to comply with these requirements. Specifically : 1. XXXX has not acknowledged my dispute. 
2. They continue to report the disputed amount to credit bureaus. 

These actions are in direct violation of TILA regulations.
Product: Credit card

On XX/XX/2023 I recieved security text messages from Chime informing me that my card was being used in transactions at a XXXX in XXXX California, & I was asked in the text message whether or not it was me that was trying to do those transactions. I said no & I received a text back stating that the transactions were blocked. However, Chime still allowed those transactions to go through & the scammer that was using my information at the XXXX in California was able to make those transactions successfully. I tried to dispute the transactions immediately but they were pending & I couldnt dispute them. I called the specific XXXX in XXXX California to let them know that someone fraudulently used my card information at their gas station & they wrote down my information & told me to dispute it with my bank because The XXXX was on vacation. Finally was able to file a dispute this morning once the fraud settled in my account. I need supporting documents or video footage of the fraudulently person using my card information so that I can speed up the dispute process. Im out of {$120.00} that I really needed. My name is XXXX XXXX, I live in XXXX Alabama. Literally the last transaction THAT I MADE MYSELF a few hours before the fraud happened was at a raceway gas station in XXXX Alabama, which is over XXXX miles away from California. 
The Fraudulent transactions happened at the XXXX on XXXX XXXX XXXX XXXX California. My bank is Through Chime.
Product: Vehicle loan or lease

XX/XX/2022 my car was repossessed and sold, so Mazda states. the car loan was XXXX. they claim to have sold it for XXXX and I owe XXXX after the fees and remaining balance.
Product: Debt collection

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 604 section 2 it also states 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 've called Toyota Motor company to complain that the account has never been late past 30 days. They 've looked into their system and confirmed, yet the mark is showing 30 days late as of XXXX 2017. Please investigate and have them update all there credit report agencies. the amount past due at the time was {$430.00}
Product: Credit reporting

In 2009 I had an IRS tax lien. Tax lien now paid in full.
Product: Debt collection

Hey I attended this trade school calledXXXX  careers I completed the program and once I completed the program their certificates that they hand out or not recognize anywhere I was in able to find a job and it was a complete waste of time they made me take out a student loan in order to complete the course and once I finish the course they billed me on top of my student loan an extra bill I discuss this with the other credit bureaus and disputed it with the credit company and it was taken off to All state careers I completed the program and once I completed the program their certificates that they hand out or not recognize anywhere I was in able to find a job and it was a complete waste of time they made me take out a student loan in order to complete the course and once I finish the course they billed me on top of my student loan and extra bill I discuss this with the other credit bureaus and disputed it With XXXX as well and they refused to take it off XXXX XXXX and XXXX  I believe has taken it off the collections please can you look into days to remove this account from my collections account of any of the three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agency is required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in withdrawing the inaccurate pieces of information which were posted to my report. Here is the list of items that do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I noticed that my direct deposit payment was cut by {$500.00} because of XXXX unauthorized transactions on my account. 

I filed a police report and filed a fraud claim with ally bank
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a CHASE SLATE credit card opened by someone else under my name which i believe my identity was stolen while i traveling abroad. 

Chase Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
ALLY FINANCIAL, XXXX on XX/XX/2019. 
XXXX XXXX XXXX, Inquired on XX/XX/2019. 
XXXX XXXX XXXX XXXX, Inquired on XX/XX/2019.
Product: Debt collection

I have obtained several emails and had countless phone calls from XXXX, representing a client that owns apartments buildings, in which I lived in for a period of time. During the time of me living there, there was a flood, in which the apartment was found uninhabitable, and my insurance company paid out a tremendous sum to the non named Apartment Complex during the claim in which no one admitted fault. ( The flood happened while I was not home ) After my insurance company paid the claim. I received very specific documentation that I was relinquished of any and all obligation I had toward that Apartment Complex. Specifically, any and all forms of payment I owed to them. This Document I obtained surely speaks for itself. Yet This Company is still after me for more money.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Greeting To Whom It May Concern, Please take a look at the information that I am disputing on my Credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts and inquires on my credit report and inaccurate information on my account. This information needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ). I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquires that are not mines and needs to be removed. 
Please send me written confirmation, also included proof. That youve complied with section 623 ( a ) ( 4 ) of the fair Credit reporting Act for the National credit Bureaus.

Thank you for your cooperation. If you have any question concerning this matter, I can be reached at phone number above. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX Inquiry XXXX XXXX XXXX, XXXX + Banks XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX Inquiry : XX/XX/XXXX + Banks Thanks in Advance
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$0.00}