23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I was trying to access my account and I don't remember my password or username ; I also don't have the card connected to my account so I called XXXX BlueBird Prepaid card customer support that I got from their website, and Bluebird told me they couldn't help me without verifying my email address. I recorded the conversation. I verified all my details through the automated messaging portion of the phone call. I have the email address on file and asked if they can send a verification code to the email so I can confirm it, but they refused to. I'm not sure if they could or could not but I'm pretty sure that is the correct email because all my statements get sent to this email. I told them I can send in my state ID, social security card, birth certificate or any other identification card or bill. They said they couldn't help me without me confirming my email address and told me there was no other option. I need assistance reordering my debit card connected to this account. Just stating again, I don't remember my username or password, or the card connected to this account. Everything is outdated and need to be updated. I have an audio recording as supporting evidence that I attempted to attach but it's over the XXXX limit XXXX  require, I don't want to reduce the file size because I want it to be unaltered and the original version. But I can forward that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off early because it wa totaled and my insurance mailed the check to the company. This was in 2012
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2001 XXXX XXXX hit with a hard inquiry. I have tried on multiple occasions to have this removed sending letters and calling them over the past year. I asked them did I have new credit card or anyone apply for a new credit card they say no. I know I have had an account with them 5+ years maybe someone requested a credit line increase is the only other thing i can possibly think of that maybe I left the computer on at a library or somewhere I was at. I never authorized anyone to run my credit on that day and would like the inquiry removed. I am very happy with XXXX  XXXX otherwise as i've been a long time customer but this inquiry I honestly have no idea what there talking about and is in accurate and erroneous
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Product: Checking or savings account

Purchased a Fridge and immediately tried to return the product and cancel the order before getting it. XXXX XXXX denied it and filed a claim with bank of america. Whom refused the claim aswell. This is NOT a product I ever wanted and I have tried to work with both of these companies who refuse to provide me with any service or work with me in anyway.
Product: Credit reporting or other personal consumer reports

Re : Dispute Regarding XXXX - Violation of Privacy Rights and FCRA Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute against XXXX for violations of privacy rights, specifically concerning the protection of nonpublic personal information, as outlined in 15 U.S. Code 6801XXXX has failed to adhere to the privacy obligations policy set forth by Congress. Also Disputing The Procedures used to protect my information. 
I recently engaged with XXXX as a customer, and I am concerned about the mishandling of my nonpublic personal information. XXXX has not provided any opt-out disclosure, nor have they offered reasonable means to protect my private information, thereby infringing upon my privacy rights. I have observed a lack of transparency and adherence to the disclosure obligations specified in 15 U.S. Code 6802. XXXX has not provided clear and comprehensive disclosures regarding the use and sharing of my personal information, violating the explicit obligations set forth in the statute. 
Additionally, XXXX 's failure to furnish any opt-out disclosure or provide reasonable means to safeguard my private information raises significant concerns about their compliance with the privacy obligations policy and the overall protection of consumer information. 

Furthermore, I assert that XXXX 's actions are in violation of the Fair Credit Reporting Act ( FCRA ), and I request a thorough investigation into the matter. The lack of compliance with FCRA provisions raises serious concerns about how my consumer information is being handled by XXXX. 
Exhibits : ( XXXX XXXX. : XXXX, XXXX XXXX. : XXXX, XXXX XXXX. : XXXX ) Copy of relevant communications with XXXX. 
Any written agreements or disclosures provided by XXXX. 
Documentation proving the absence of opt-out disclosure or protection measures. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate actions to ensure the protection of consumer privacy rights By Deletion of the Trade Line from the Credit Files Listed XXXX XXXX, XXXX XXXX, & Equifax ). I appreciate your attention to this serious issue. I will explore legal Actions They have the Tradeline Furnished with XXXX, XXXX XXXX and Equifax I Direct the Consumer financial protection bureau to Remove the Tradeline Third and Final Notice
Product: Credit reporting or other personal consumer reports

-First attempt for validation and investigation was XXXX for XXXX Charge offs from XXXX XXXXXXXX XXXX XXXX in the original amount of {$12000.00} and {$5100.00}. The original account was XXXX until XXXX purchased them. But XXXX put the exact same loans on my credit report with their name. Then in XXXX by XXXX removed it from my credit report because it reached the 7 year mark. However, XXXX put them back on and put a last payment date as XXXX. I showed XXXX, XXXX, and Transunion the evidence of the exact same account and requested an investigation with no response. The XXXX credit reporting agencies continued to report it as up to date and never sent me a response on how they investigated and made a decision within XXXX hours. Second attempt was XXXX and they continued to do the same thing with a quick turnaround response for the same accounts. 

In XX/XX/XXXX and XX/XX/XXXX I had collection account from XXXX that was purchased from XXXXXXXX XXXX XXXX XXXX in the amount of {$9500.00}. I requested an investigation and no response even after sending them a letter from the company who stated they had no information on the account number associated with me on the credit report.
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  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - SXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # : XXXX - US DEPT ED Account # XXXX - 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

This not my loan I never attended any school online or in person attached to this to loan nor did I authorize or agree to any loan amount with XXXX or personal or private loan companies this is a case of identity fraud and I would like this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Usaa has listed a car loan I had with them as charged off and I paid the full amount owed. The car was XXXX  and I had full coverage with XXXX  insurance usaa was my lender and my insurance company after my past XXXX totaled the car they said I still owed and I asked to make lower payments with them and they declined. I didnt make payments on the totaled car that they had possession of. I am on XXXX and they took every dime deposited from my account and took all my money deposited from my XXXX checks for months leaving me and my XXXX XXXX a few years back. 
I more than paid for the car I paid for extra insurance in case anything happened to the car I wouldnt be left owing if the car was totaled. 
They have been a XXXX of a company causing me much XXXX and steeling my money. They took a XXXX check they had cleared from my account sent it back to sender because I did not put my account number at the bottom of a deposited check the check was good and they never denied it being a good check I want the charge off off my credit report from them I have more than paid from being a usaa victim of theirs
Product: Checking or savings account

There had been fifteen times where I had call Wells Fargo Bank complaint department to file unauthorized charges and Wells Fargo keep blaming on their system. After making XXXX claims with XXXX I was forced to close the account. XXXX XXXX close my account for making a claims for unauthorized charges. I'm not sure what is going on with the bank institutions not protecting our accounts. They seems to be enjoying the fact of pocketing the customer 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that someone is using my personal information to open up credit accounts with my knowledge. I noticed an open account with XXXX in XX/XX/XXXX XXXX that I didn't authorize. The number for the company is not in service. It says that XXXX XXXX is a loan company for immigrates and I am a US citizen. 

I also noticed unauthorized inquiries in my report from XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) and XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ) There is an account with XXXX XXXX XXXX XXXXXXXX that has been reported as charged off in the amount of {$2400.00} that is not my account. Date opened XX/XX/XXXX There is a collections account for XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$840.00} and also XXXX XXXX XXXX in the amount of {$1400.00} opened XX/XX/XXXX Please remove these items from my account. 

Thank you
Product: Checking or savings account

I am writing to express my deep concern and frustration regarding the handling of my Wells Fargo XXXX  account, which has led to the blocking of my account and the unavailability of funds. 

In 2015, while visiting the United States on a visitor visa, I opened a checking account with Wells Fargo. During my stay, I deposited approximately {$2000.00} into this account. However, upon returning to my home country, I received notification that my account had been blocked, and I was no longer able to access my funds. 

Upon reaching out to Wells Fargo 's customer service team recently, I was informed that my funds were transferred to a federal entity and are now deemed unreachable by me. This has left me deeply concerned and dissatisfied with the handling of my account. 

I believe that there has been a lack of clarity and transparency in the communication regarding the status of my account and the transfer of my funds to a federal entity. As a customer, I expected to be informed of any issues or concerns regarding my account in a timely manner and to be provided with clear steps to resolve any issues. 

Therefore, I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I request a thorough investigation into the handling of my account by Wells Fargo and the transfer of my funds to a federal entity without my consent or clear explanation. 

I kindly request that you review this matter promptly and provide me with updates on the status of my complaint. I am hopeful that through your intervention, a resolution can be reached, and I can regain access to my funds. 

Please do not hesitate to contact me if you require any further information or clarification regarding my complaint. I appreciate your attention to this matter and look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

accounts from the year XXXX to XXXX has been opened without my knowledge using information leaked from the Equifax breach
Product: Debt collection

A collection account has been falsely reported to a credit agency by a 3rd party debt collector ( CREDENCE RESOURCE MANAGEMENT ) who has been advised that I do not own the debt and have no responsibility to them. They have no contract or agreement with me and therefore should not be reporting data about my credit worthiness to ANY credit agency. I also have a current and active account with the telecommunications company they claim to represent the debt for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already had problems with XXXX and Equifax updating my name on my report after reporting me as my father for years. Now that they've recently done so they're giving me problems about removing inquiries that aren't mine or attached to any reporting tradeline of mine. I initially tried to have them removed which led to the discovery of them inaccurately reporting so I had to go back and forth about that in order to start the inquiry disputes. Now that I've done what I'm supposed to do on my end they're telling me to contact the original creditors ( which I've done ) and they're giving me backlash and the run around about the inaccurate inquiries.
Product: Credit reporting or other personal consumer reports

You are in direct violation of the fair credit reporting act ( Account name & number # ) has violated my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX for {$34000.00} and XXXX Account # XXXX XXXX XXXX XXXX for {$25000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hired XXXX XXXX to dispute inaccurate information, however XXXX, XXXX and Experian are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Lexis Nexis since XX/XX/2021. Lexis Nexis is reporting an unverified Bankruptcy on my credit report and their 3rd party system. Per the courts, they do not furnish public records. I have attached the letter sent by the courts to validate my proof of dispute. Per 15 U.S Code 1681 ( b ), I did not provide written instructions to furnish my credit report, cease and desist all collections and reporting activities.
Product: Credit card or prepaid card

It shows I purchased something on PayPal that I was not aware of for {$100.00} Id like a refund but dont know how to go about it
Product: Debt collection

I sent written notification to Jefferson Capital advising I was disputing the debt and informed them that their reporting was improper as they are re-aging the debt and thats illegal. They have yet to provide a response. And this has been sent since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

Unauthorized Transactions On XXXX On My Account. I dont even Use XXXX.
Product: Credit reporting

I submitted my original dispute to Equifax and XXXX and was told by phone that the dispute was never started but they sent results saying it was completed and will remain. The documents I sent to them were never uploaded for a dispute. It was an XXXX mortgage t originally through XXXX XXXX XXXX the 20 % has been deleted from all XXXX bureaus. XXXX XXXX is the only bureau that has deleted the 80 % ( XXXX XXXX ) and the 20 % ( XXXX ) for both creditors the fraudulent mortgage from my report but Equifax and XXXX did not delete the 80 % and have not even scanned in my supporting documents but they keep saying the information should remain. Date of delinquency has been over 4 years and should be removed according to Texas State law. The house is being reported as foreclosed and it has not been foreclosed and is in a 3 yr. pending litigation with the supreme court . I do want the home if the bank wants it I just want it deleted from my credit file because its being reported fraudulently. Also XXXX is being reported fraudulently as well. I provided my final divorce decree showing the debt belongs solely to my ex-spouse and the credit bureaus and XXXX refused to delete it from my file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXX Dear Equifax, I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by Equifax, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document. 

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that Equifax delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX  Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



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

After reviewing the credit profile Amsher Collection Services continues to furnish information on credit profile. Where services were rendered, its medical coverage was unavailable, was there any financial assistance available?
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several attempts to dispute with Experian a credit card balance. This was rejected by the system. The issue, a settlement was reached on the card and paid, 45 days later this has NOT been adjusted in their database and the company did not as promised send a letter noting a XXXX balance.
Product: Debt collection

My name is XXXX XXXX. I am XXXX years old. I have had a difficult life but I keep trying and pressing forward. I am writing to you about a descriptency with XXXX college XXXX. I had a past due balance that i am paying them monthly on. But they sold this to another creditor when I was unemployed over 3 years ago. Life is rough and I am unemployed again and still paying back XXXX college. I am now studying to take the XXXX exam and trying to obtain employment again. I have XXXX charges for XXXX college on my credit report. this is affecting my credit worthiness as i was trying to get a loan for some health reason. I am attaching my credit and showing you my worthiness is in tact. I was turned down by XXXX. I still have XXXX charges from XXXX college and the other creditor has n't removed same. Yet I am paying XXXX college in good faith. i do not want this to effect me going to the navy as they have to run background check or lawfirms i am seeking employment with. Please advise me on same. Laws are here to help people and same by the Federal Trade Commission that it is illegal to multiple post dings for the same thing on your credit report. The FTC is the controling agency for the Fair Credit Reporting Act..