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

Sofi restricted my debit card access without a email or response. I tried calling Sofi support and they were unable to address my issue for 2 weeks. Constant calling and leaving messages for no reps to get in contact with me, I had no access to my funds for weeks and finally got fed up and decided to transfer my funds out my account. When I tried to do so they flagged my account and said I had to contact support. Tried calling " Fraud Prevention '' this morning at XXXX but that number basically doesn't exist. I've called XXXX at every time of the day and it always tells you they are busy. Which means they have provided a fake customer service number that actually won't connect with anyone. I called the sofi rep and even SHE couldn't get in contact with them and said she has to email them. This is some of worst customer service I've ever seen from a company. Provding users with essentially a fake customer service number that actually never connects with someone to help is extremely shady.
Product: Credit reporting or other personal consumer reports

Dear Transunion bureau : I am writing for the third time to formally dispute these items on my credit report that appears to contain inaccurate information. The account in question is a charge-off and belongs to someone else reported by XXXX XXXX and XXXX XXXX  XXXX XXXX with these hard inquires : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The discrepancies are related to the date of last activity reported by each credit bureau, which are as follows : XXXX : Removed XX/XX/year> XXXX : Removed XX/XX/year> Please follow the 15 US Code 1601, 15 US Code 1692c and 15 US Code 1602p laws for removal.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX dc XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Acccount name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

There is a charge off account from wells fargo on my credit report. The charge off account is Legally paid in full for less than the full balance back in XXXX of XXXX. The account number is XXXX. I've sent multiple notarized letters that wells fargo has received on XXXX XXXX, XXXX XXXX, and on XX/XX/XXXX XXXX. I've also spoken to customer service reps in different departments as well, such as Executive office, recovery & Credit Dispute. Wells Fargo has been furnishing inaccurate and incorrect information to the consumer reporting agencies. They are in violation of the LAW 15 U.S. CODE 1681 S-2. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Student loan

Provider says my accounts are not right but payments have been processed from that account before. Auto pay has been set up but it is not working. I have reentered information several times, to no avail. The problem is on their end and they don't try and fix it. I am now past due because of their negligence. I am tired of dealing with them on these issues.
Product: Payday loan, title loan, personal loan, or advance loan

The loan is with XXXX. The loan is for XXXX/ XXXX  a merchant who refuses to communicate with me. I ordered the program by mistake because I have a XXXX XXXX. The reported me late to a credit bureau. I have done nothing wrong to disserve this. XXXX and Afterpay are nefarious organizations. The loan is for {$1900.00}.
Product: Credit reporting or other personal consumer reports

Lexington law firm collected fees for several months. There was no change to my credit or consolidation done on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one inquiry on my XXXX credit report by the following company : 1.  XXXX XXXX XXXX XXXX on XX/XX/2018. 

I do not recognize this inquiry and I am therefore disputing it with XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at consumer 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX XXXX XXXX {$50.00}, Opened XXXX XXXX XXXX XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX 


XXXXXXXX XXXX {$510.00}, Opened XXXX XXXX XXXX 


XXXX XXXX {$880.00}, Opened XXXX XXXX XXXX 


XXXX XXXX XXXX {$4000.00}, Opened XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase - Unable to access funds I opened account Coinbase and thier exchange XXXX  on XX/XX/18 and deposited ~XXXX usd and purchased virtual currency. 

On XX/XX/18 I received a text from Coinbase that my auth has been changed from XXXX XXXX to XXXX XXXX and to reply if I did not initiate the change. I replied and received an email questionairre. 

Today is XX/XX/18 and my account has been locked for 3 weeks. Coinbase will not return my funds or unlock the account. They continue to say they are looking into the matter.

I have contacted coinbase a number of times and they will not resolve or even give an ETA. 

Careful using this service. As soon as my funds are back I will never use again.
Product: Credit card

A new {$1.00} paper statement fee was added to my account on XX/XX/XXXX. 
I verified I have never been charged this before. This is a new fee that was not in the original XXXX XXXX XXXX, and I did not agree to this new fee. 
I called and had the fee reversed, but I am filing this complaint on principle. 
I asked if they sent notice of this new fee and if so how they sent it -- mail or email. 
They said they sent notice of the new fee on XX/XX/XXXX by mail to my home address, but I don't recall receiving that letter. It may be true ; I don't know.
Product: Credit reporting or other personal consumer reports

Requesting that all 3 CBs suppress reporting of XXXX XXXX tradeline. 

Factual evidence that XXXX violated MLA and EFTA AND continues to violate FCRA exist.

This is most notably in CFPB consent order whereas XXXX paid millions as a sanction for said violations. 

Allowing any creditor to report a debt which in itself is invalid, is a violation of consumer FCRA
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S. Code 1681 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S.Code 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ), is a financial institution by definition under that title. 15 U.S.Code 1681 604 ( a ) ( 2 ) states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ), the financial institution, and the Consumer reporting agencies XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion, or XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 U.S.Code 6802 ( b ) ( c ) states, that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX, Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S.Code 1681c 605 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) of this section, 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. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states, " 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. 15 U.S. Code 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Transunion are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I requested that I receive my bill by mail instead of electronically. Under federal law this request must be met. I never got a bill in the mail as I requested. Furthermore, I was never notified that there was any attempt to collect an alleged debt and I was also never given notice of my rights to dispute said debt. Now a delinquency is showing on my consumer report even though I never authorized my personally identifiable information to be shared or slanderous information to be placed on my report.
Product: Checking or savings account

Subject : ATM Withdrawal Dispute - Immediate Action Requested I am filing a formal complaint against Wells Fargo regarding an ATM transaction dispute. On XX/XX/XXXX ( Saturday ), I attempted to withdraw {$400.00} from a Wells Fargo ATM but did not receive the cash nor receipt at all. I panic and I immediately went inside the branch to report the issue. The staff, XXXX, insinuated that this situation occasionally occurs and that the funds would be automatically be credited back to my account and that I can just withdraw inside the bank, which I did for {$600.00}. She was so calm that I thought it was not a big deal at all. However, on XX/XX/XXXX, ( Monday ) it showed on my transaction, that the cash of {$400.00} from outside was deducted together with {$600.00} I withdrew inside the ATM machine. I again went inside the bank and same lady told me that they dont deal with it, just call the XXXXXXXX XXXX  So I called and again the customer svc assured me that it will be ok. I told her there should be a camera to prove that there was no money dispense in that ATM machine at that time. She said there would be a research which I also demanded. 

However, I got a letter from Wells Fargo dated XX/XX/XXXX, saying that they did research and saw no error with the machine. It says that they will debit {$400.00} to my bank. 
I am so frustrated since Ive been banking with them for many years now. My trust account and my direct deposit from work are with Wells Fargo. I am not rich but XXXX not poor either. I would not ruin my reputation with just {$400.00}. XXXX so anxious and its so frustrating. What kind of investigation did they do? 

Wells Fargo has now debited the {$400.00} from my account again. Furthermore, they have stated that I must wait an additional 30 days for the ATM footage to be reviewed before I can potentially receive the funds. This delay is causing unnecessary financial strain and stress, as I did not receive the cash in the first place. 

As a long-time customer, I feel that this delay and lack of resolution is unacceptable and damages my trust in the institution. I request immediate reimbursement of the {$400.00} and a more timely resolution process for this kind of issue moving forward. 

Thank you! 

Sincerely, XXXX XXXX XXXX
Product: Student loan

XX/XX/year> : received notification from the Department of Education that I was approved for debt relief. 
XX/XX/XXXX : Since I did not hear from my lender, I called Navient about the status of my refund. I was told that private loans are not eligible for discharge or refund. My loans ( FFELP ) were not private as they appear on my page of the Federal Student Aid website. 
XX/XX/XXXX : I emailed Navient and this time I was told that loans paid in full are not eligible and only payments made directly to the Department of Education are eligible for a full refund. However, the ED did promise to refund past payments on loans used to pay for an XXXX XXXX education. 
XX/XX/XXXX : I called the Federal Student Aid 's Defense to Repayment hotline. 
XXXX suggested that I register a complaint with the CFPB as well as Studentaid.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being. I have rights under 15 USC 1681. 

Exquifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681.XXXX have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of EdXXXX XXXX
Product: Payday loan, title loan, or personal loan

I lost my job weeks after getting a loan with XXXX XXXX I spoke with the Branch Manager at the business and explained the situation yet Im still called multiple times a day I spoke with the supervisor and was threatened by her stating that she would take me to court she also offended me by asking what did you get fired for anyway I am highly upset and offended by the harassing calls.
Product: Debt collection

NCR which is the debt collection agency that handles the XXXX XXXX   XXXX XXXX in XXXX va  keeps callins me while I am at work after I spoke to a representative on Friday XX/XX/2019 to call me on XX/XX/2019 at XXXX and not 2 times before that time. they have been harassing for the past 7 months. I specifically told them that I can pay XXXX a month to help settle the debt but, they are still threatening legal action. I had a baby in XX/XX/XXXX and they was calling me then being very rude and nasty and I am sick of it and will be pursuing legal action
Product: Credit reporting or other personal consumer reports

I am requesting that you conduct a thorough investigation into this matter, remove the fraudulent accounts from my credit report, and provide me with a corrected credit report once the investigation is complete. Additionally, I request that you place an extended fraud alert on my credit file to prevent any further unauthorized activities. Please provide me with a written response acknowledging the receipt of this dispute letter and inform me of the actions taken to address this issue. I understand that resolving identity theft disputes may take some time, but I urge you to expedite the process to minimize the impact on my financial well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items ASAP.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against meXXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO CARD SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been fighting with all XXXX credit bureau for a year now!! Over a credit building installment account which reported a XXXX  day by mistake and I have the letter the company sent me stating that
Product: Debt collection

Merchants Credit Association routinely contacts me regarding medical debts that the fail to prove are mine. I've routinely asked them to provide itemized lists of the debts, the original biller, and proof that debt is mine. They never provide these proof documents. When these debts are disputed with the credit agencies, they agree to remove them, and then attempt to put them back on my credit reports. Now I have learned they are trying to file a civil lawsuit for some of these debts. I now believe they may have sent someone to my house who demanded my teens, who were home alone, answer the front door. I have filed a police report and am waiting to hear back more on this. Overall, I am scared of Merchants Credit Association and am losing sleep, suffering more medical ailment from the stress they induce, and I they have still yet to prove the debts are mine.
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX