23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a co-signer on a student loan for my son but he is not able to pay so I 'm making the payments. Wells Fargo failed to send me the statements and refuses to setup online access to the account so I can make the payments. They managed to send me one statement but they have stopped coming. They have damaged my credit and have refused to fix it. I have called them on the phone at least three times. All I want from them is to send me statements, give me online access to the account and fix the unfair credit remark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

When making attempting to complete the final {$34.00} of my monthly minimum payment for my XXXX  XXXX XXXX credit card in XXXX of 2022, the payment had been returned due to insufficient funds in the account attempted, which then lead to my credit card payment becoming 30 days late as a result. This was during a period financially where I was still experiencing hardship* from the COVID-19 pandemic, and continued difficulty obtaining new employment as a result. They then closed* my credit card immediately. I had maintained this credit card account for 10 years up to this point with 0 late payments, and for my account to be closed immediately after 1 late payment is disgusting. The reason being, is I paid not only the amount remaining for the minimum payment off within days of this occurring, I then paid off the entire $ XXXX balance off within the next week or so. My largest issue is that upon the return of the payment due to insufficient funds, I was NOT NOTIFIED of the returned payment. There was NO email communication, NO phone call, NO automated text, and NO notice by mail*. The ONLY communication I had received was that the credit card had been closed, after the fact, via mail. I submitted a complaint through the XXXX, which XXXX XXXX  XXXX did reach out to me to inform me of the reasoning behind the actions, which I still do not agree with. Had I been notified AT ALL of the returned payment, I could have made accommodations quickly to avoid the payment becoming 30 days late, not to mention them taking it upon themselves to CLOSE the credit card ENTIRELY, since both of these actions affect my credit file TREMENDOUSLY. There has to been some regulation or law requiring them to provide a warning of actions taken against me if certain actions aren't taken to remedy an issue with a credit card account when then repercussions are as large as closing a credit line ENTIRELY without* warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter in regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not I have not received a response yet. I feel like they trying to take advantage of me and flat out ignoring my disputes. Section 611 ( a ), states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should have said something and removed them from my credit report promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have gotten into the wrong person hands.
Product: Debt collection

I filed a dispute with XXXX  XX/XX/XXXX about a collection agency ( Commonwealth Financial ) via phone an ask that it be removed from my credit. Commonwealth is reporting a old past-due account on my credit report as if its a new again when the debt was sold. Commonwealth is reporting the account XX/XX/XXXX when the original date is XX/XX/XXXX. Im asking they remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The social Security number was deleted and so was the name spelling. 

They can not keep the account on my file as there is no social security number on my report that matches the current account in dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally follow up on my previous complaint about mistakes in my credit report and the credit reporting agencies ' subsequent failure to comply with the statutory obligations of the Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and request for investigation, more than 30 days have gone without an acceptable conclusion.
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/XXXX, I went to XXXX XXXX to inquire about a XXXX XXXX XXXX. My plan was to use my existing car loan offer from my personal bank at XXXX. Upon meeting with XXXX XXXX, I discovered my loan offer at XXXX was not great enough to cover the expense of the car. I agreed to allow them to run my credit XXXX time with the bank they use for car loans. XXXX XXXX ran my credit XXXX times totaling XXXX hard inquires on my credit. This is fraudulent. I never agreed to the hard inquires involving : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. The only authorized inquiry should have been from XXXX XXXX XXXX Finally, what is the most criminal about this entire experience is that XXXX XXXX was selling me an insufficient vehicle that required a new transmission. Yet, they knowingly tried to sell me the car thousands of dollars above its value, thus why I got denied for the loan from all these banks, because the car was red-flagged. I sincerely hope to receive help for these hard inquires. Thank you for the consideration.
Product: Credit card

When I indicate a payment amount and date, the credit card verification page changes them. For example, just now I indicated I wanted to make a {$350.00} payment tomorrow from my personal bank account. The verification page showed a {$270.00} payment ( the minimum payment due ) scheduled from my business bank account. 

A few days ago I made a {$400.00} payment, indicating I wanted the payment date to be XXXX XXXX. The payment processed on XXXX XXXX, the actual due date of the payment, which I am sure incurred additional interest. 

This happens very frequently and I must be vigilant and correct the errors every time I make a payment. Last month I sent a comment to the credit card company and was told it was an error in their system that would be fixed. The next XXXX payments I made suffered the exact same problem. My comment sent earlier this month received a response that did not address the issue. I just sent another comment stating that I would take the issue to the next level, which is the CFPB.
Product: Debt collection

Caller has been calling me at work saying he is working for some company but is working for cash call sayinguf I dont pay them they will send me a court summons and the guysaid that cash call will only work thru him and wo n't work with a credit management which us wrong cause I am working with a credit management and they are working with cash call who I do havdakoan thru I just want him to quit calking my worj
Product: Money transfer, virtual currency, or money service

Hi, I made a transaction # XXXX to charity donate to a XXXX  organization helping to make a humanitarian relief to people suffered from war via Wise remittance, but Wise ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.wise.com ) declined to do the transaction because they stated I violated their acceptable use policy and this is sanctioned entity, related to weaponry. In fact this is lies, this entity does not exist in XXXX XXXX list and never was. 
Entity I was making a transaction is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is it lawful that Wise declines to do this transaction?
Product: Checking or savings account

Overly charging for overdraft fees when i opped overdraft protection plan
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient doubled the balance of my loans on my XXXX CRA. A lot of the loans are duplicated. Please fix this as it is showing an inaccurate statement of debt.
Product: Debt collection

Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, National Credit Systems and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication would be National Credit Systems is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. It is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as National Credit Systems allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit A.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer law state all Consumer Credit Reports must be accurate and Truth in Lending. Transactions and experiences are not included in public information. Including utilization and payment history. Which should include soft and hard inquiries
Product: Debt collection

Subject : Debt Validation Request and Assignment Contract Dear Sir/Madam, I am writing to formally request validation of the debt referenced below, as well as a copy of the assignment contract that grants the collection agency the right to collect this debt. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : * Account Number : XXXX * Original Creditor : XXXX XXXX XXXX  Amount Claimed : {$340.00} XXXX request that you provide the following information : 1. Validation of the Debt : Please provide documentation that verifies the debt, including the amount owed and the name of the original creditor.

2. Assignment Contract : Please provide a copy of the assignment contract or other documentation that shows the collection agency has the legal right to collect this debt. 
Please consider this letter as a formal dispute of the debt until such time as the requested information is provided. I also request that you cease all collection activities until this validation is completed. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity, theft, and power of attorney fraud in account was open to remind him using my personal nancial information without my consent or permissible purpose. I never signed any documents, electronically or writtenly by wet ink. I never gave any of these companies, permissible, purpose, or consent, and I was never contacted to validate the accuracy of these accounts. Experian, XXXX, XXXX, and along with the creditors, are in violation of FCRA federal law, and may be held liable pursuant to title 15 USC 1680o and title 15 USC 1681n. Pursuant to FCRA 605B and title 15 USC 1681 c-2 I must demand made these accounts to be removed within four business days as permitted by federal law. Please provide me a purchase agreement and not a copy of a contract or statement coupon. failure to block and remove the account may result in initiation of arbitration or lawsuit against your company
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account number : XXXX, XXXX  Account number : XXXX, XXXX Account XXXX : XXXX, XXXX XXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, DEPTEDXXXX  Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) Account number : XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX Phone number ( XXXX ) XXXX Inappropriate use of credit report, request for credit report. Information obtained illegitimately.
Product: Credit reporting or other personal consumer reports

To my disbelief my credit report has been accessed by these companies without my authorization nor consent, which has negatively impacted my credit and credit score. I reached out to Experian, and their representative assured me that these inquiries would be removed. However, they still appear on my report. These unauthorized inquiries are causing me significant XXXX  and concern that I might be a victim of identity theft, adding undue stress to my life and further damaging my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2023-CFPB-000X ). The account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft a few years ago, I have been in the process addressing the fraud in regards to my personal credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

EFFECTIVE TODAY CEASE AND DESIST PULLING OR SHARING XXXX  DATA OR HAND SHAKE OR BE SUE IN XXXX XXXX DOLLAR LAWSUIT
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX XXXX is showing I have a balance of {$4900.00} on my credit report from Capitol one This is not a true statement, XX/XX/2022 XXXX was paid on this account As of XX/XX/XXXX the balance is XXXX I did not owe anything to Capitol one Not one dime and they refuse to update my credit report I made a call to the company and the worker stated he could not pass the call on to a Manger and my account could not be updated
Product: Checking or savings account

Complaint Details I am filing this complaint against Chase Bank regarding their unfair and deceptive overdraft practices, which have resulted in financial hardship during my period of unemployment. 

In XX/XX/year>, I noticed that Chase allowed several transactions to be processed on my checking account, even though I do not have overdraft protection enabled. According to Chases policy, without overdraft protection, any transaction that exceeds my available balance should be declined. However, Chase approved these transactions and then charged me overdraft fees, which is inconsistent with their stated policies. 

After reviewing my account, I saw multiple overdraft fees assessed on transactions that should not have gone through in the first place. As a result, my account became negative by nearly {$300.00} in XXXX, and almost {$400.00} two weeks later, at the top of XX/XX/year>. These negative balances significantly affect my ability to cover necessary expenses such as transportation, utilities, and groceries. 

My only source of income at the moment is my unemployment benefits, which amount to approximately {$2000.00} monthly. Because of these unfair fees, a substantial portion of my unemployment check is now being absorbed by exhorbitant penalties rather than covering my essential needs. 

I reached out to Chases customer service and spoke with representatives, including the escalation team, to request a reversal of these improperly charged fees. Despite explaining my situation and the banks error in allowing transactions that should have been declined, Chase refused to refund the overdraft fees, suggesting that they have the right to choose to approve transactions even if funds are not available. Their refusal is particularly harmful given my current financial situation and the fact that the fees were charged due to their own system allowing unauthorized transactions. The escalation representative indicated that only XXXX overdraft fees could be reversed in a calendar year, yet they have imposed more than XXXX illegal fees on my account since XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are multiple inconsistencies on my credit report I disputed them because I did not recognize the charges and I never gave TransUnion XXXX are XXXX any rights to share my information with anybody
Product: Credit card or prepaid card

This has been going on since late XX/XX/2021. In a nutshell, the issue is US Bank is allowing a merchant to charge for twice the amount the merchant told me was going to be. On several occasions, including a recent XX/XX/2021, letter by US Bank, I have complained that some of the people looking at my dispute with US Bank do not understand the issue. 

The issue has always been the merchant charging twice the amount it told me it would charge. I have never said that I am not going to pay what I was quoted, but yet again ( per the XX/XX/2021, letter ) US Bank that it can't assist me because I received the services represented in the transaction. 

THAT IS NOT THE ISSUE. The issue is being charged twice the amount I was quoted. 

[ I have other documents but exceed the XXXX MB limit. ]
Product: Credit reporting

I have invalid inquiries that resulted from identity theft reappearing on my credit report. These have been deleted from XXXX bureau but not the others. I 'm attaching proof of completion. I expect them to be deleted here as well.
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 {$0.00}, {$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 {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

Upon a thorough examination of my recent credit report, I noticed several accounts that I believe are inaccurate and were included without my awareness.