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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

My loan servicer is Mohela. On XX/XX/XXXX, I submitted a Public Service Loan Forgiveness Certification & Application which should have resulted in the forgiveness of my student loans. I was at XXXX qualifying payments for Public Service Loan Forgiveness but had qualifying payments for XX/XX/XXXX to XX/XX/XXXX that had not yet been counted. These payments would bring my total to more than XXXX qualifying payments. I have worked for the same non-profit employer since XX/XX/XXXX. However, Mohela processed my application without counting any payments from XX/XX/XXXX to XX/XX/XXXX and my count was updated to XXXX and XXXX qualifying payments. I contacted Mohela and all they could do was resubmit the same form and tell me to wait another 90 business days for the form to ( hopefully ) process accurately. This error is keeping me from being able to purchase a home.
Product: Debt collection

On XX/XX/XXXX i made claims with XXXX to investigate this matter and as of XX/XX/XXXX it is still under investigation. on the same day in XXXX I also reached out via Email to Pro-collect ( stating the same things as the below letter ) and did not hear back so on XX/XX/XXXX I then wrote a letter to Pro-collect asking them to verify the debt they claimed that I owed by asking for. How the amount was calculated, Copy 's of where i agreed to pay the amount owed, a copy of the Judgement, and for them to demonstrate that they are licensed in my State and to provide that license number to me. I then only received a document with XXXX line item that stated " Damages for {$810.00} '' so i contacted XXXX via phone call around the beginning of XX/XX/XXXX XXXX instructed me to reach out to pro-collect and have them write in saying they need to disqualify the debt, pro-collect rudely refused to do so and said the debt is verified yet had never heard from them until I reached out.
Product: Mortgage

Please accept this Qualified Written Request under 1024.36, as a formal request for life of the loan : 1 ) Accounting and 2 ) Escrow Statement, for loan number XXXX. Thank you. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my U.S Dept of education loans are not updated. That loan was closed with XXXX balance as the other bureaus have updated there system. Experian is the only Bureau with a balance for that account as the system has not yet updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I brought a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am sending this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath they are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain inaccurate information and Unauthorized Inquiries in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. Here are the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I booked a car rental via XXXX XX/XX/XXXX. I paid a deposit of {$110.00} and the balance was {$52.00}. XXXX merged me with XXXX. The day I picked up the car, I paid my {$52.00} balance and they said {$50.00} hold for tolls. I paid the balance on my XXXX account. After dropping the car off, XXXX charged my card {$180.00}. Then they charged my card as XXXX in the amount of {$110.00} XX/XX/XXXX and as XXXX XX/XX/XXXX in the amount of {$110.00}. I began receiving collection charges in XXXX and called the number, I was advised to ignore the letter as my account was paid. I received in XXXX XXXX and called again. I was advised must be a system glitch. 
In XXXX, I received a collection notice from JNR collections in the amount of {$180.00}. I already paid all monies that were due to XXXX, to XXXX. I wrote a letter to JNR advising that I am disputing the debt as I don not owe XXXX anything else.
Product: Credit card or prepaid card

I filed a credit card dispute with Wells Fargo VISA for {$1800.00} on XX/XX/16 for a dining table that I purchased from XXXX XXXX XXXX. The table was defective and not what was promised to me by XXXX designer. The merchant returned the table but was charging me a 30 % restocking fee, which by law is wrong. I received notification from Wells Fargo that the dispute investigation was completed on XX/XX/16 and my claim was declined stating, We are unable to obtain a refund on your behalf because your dispute falls within the merchants pricing and policies, which we have no authority to change. I not only didnt get the 30 % restocking fee refunded, but Wells Fargo did not recover the money owed to me for the returned table. I question this outcome with many phone calls and many reinvestigations were done by Wells Fargo and they continued to responded Theres nothing more we can do. They stated I would have needed a 3rd party who works with furniture to verify the table was defective. So, I contacted Signature Designer Services the company that delivered and picked up/returned the table and obtained a letter from them verifying the table was defective. When I attempted to submit the verification letter to Wells Fargo, they stated I missed the deadline of XX/XX/16 and said the case was closed. Wells Fargo told me I would need to get the refund from the merchant on my own. I took the merchant to small claims court for my refund. At court, I was given papers from the merchant showing she had arbitrated with Wells Fargo, which I was unaware of. The merchant told the judge in court she won in arbitration and I recovered {$0.00} from the court. At home, I looked closer at the arbitration papers and noticed there was no arbitration ruling only pre-arbitration. I called the Dispute Resolution Department so I could get a copy of the arbitration ruling but was told there was no arbitration ruling. They stated Wells Fargo missed the deadline and failed to turn in the needed documents on my behalf, which resulted in the case being closed. The pre-arbitration information clearly states Wells Fargo failed to receive sufficient documents from the merchant to prove her side and they were proceeding with arbitration. This dispute was never arbitrated but closed because of Wells Fargos failure to submit the documents needed on my behalf. Wells Fargo lost arbitration because of their own mistake and then recharged my account the {$1800.00} I was refunded during the investigation. I should have been refunded the money from the dispute and should not have to pay for the banks failure to do their job properly. This is dishonest and unethical.
Product: Checking or savings account

On XX/XX/year> I went online to reopen my acct with Chime. The rep stated that the acct was opened back up no problem. 

On XX/XX/XXXX my direct deposit hit my account. Since I didn't get my card in the mail i calk Chime they Said i could use my temporary card. We'll it would not show up in the app. The rep stated that since she had to send up as a system problem as to why my temporary card was not showing up. My son has a Chime acct so I tried to do pay to pay transactions and that didn't work. This went on for 2 days. I called and got a different answer every day the it's was told to me on Friday XX/XX/XXXX that my act was not opened it was still showing closed. A person from tech team said it was escalated to technical support but nobody got it opened. I called back Saturday XX/XX/XXXX and spoke to another supervisor who told me once again the account was closed and he reopened it but that pushed my card coming to XX/XX/XXXX. At this point I was done. Angry and frustrated, I told them to close my acct and send my money. I was told my acct was XXXX and no card was coming. I can't get to work I take care of my XXXX XXXX  and I cant get to my payroll. Lo and behold I go to the mailbox today and there was a chime card that they said was not coming till XX/XX/XXXX. I called a supervisor to see if they can activate card long enjoy for me to get my money the supervisor said no they already XXXX card. This was negligence on chimes part but they are wanting to hold my money. It's not my fault they couldn't get acct opened and they do not need to hold my money. They can expedite a check
Product: Credit reporting, credit repair services, or other personal consumer reports

WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1100.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1200.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1200.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1200.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1100.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX{$1100.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX{$1100.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Reported :XX/XX/XXXX {$1100.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Checking or savings account

On XXXX at XXXX I received a notification of an attempted withdraw for {$300.00} stating " did you try to use your chime card just now '' to which I replied NO. They still allowed the transaction to go through, even though they blocked a {$200.00} transaction at XXXX. 
I attempted to resolve with them and Chime categorized my claim as " ATM withdraw - NO funds received '' when it was an unauthorized transaction. 
It took 4 separate calls ( and denials ) to get it recategorized correctly. And finally they have denied me for the XXXX time stating they find " no error occured '' even though I have the texts to show they clearly allowed the suspicious transaction to be processed. 
Chimes fraud team does not investigate anything and instead just attempts to deny responsibility by categorizing claims incorrectly. What investigation team works XXXX? None. 
Don't use chime if you want your money to be protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.
Product: Debt collection

TRANSWORLD SYSTEMS INC is trying to collect {$1100.00} which I do not owe. Ive asked them on XX/XX/year> to prove identity, verify how and amount Ive asked them to remove their company from my credit profile for I have never agreed to any amount, or provided my personal information to this company this is identity theft complete fraud and they need to be removed immediately we do not have any business or agreement. I am a victim of identity theft I will be updating my police report to include this matter
Product: Prepaid card

This company has been violating my consumer rights or OVER LOOKING my documents.my name is XXXX XXXX I had 3 claims with bank of america prepaid in my account ending in XXXXone for {$4000.00}, {$2100.00}, $ XXXXi provided MY FTC REPORT, ID, FTC DISPUTE LETTER, and police report verifying I'm a victim of identity theft.i even gave them my personal lawyer number about this.i filed these claims in 2021 and when I filed them they didn't follow FEDERAL REGULATION E.i never had a provisional credit.denied My claims insanely fast.i requested the documentation they used for the investigation 7 thorugh 10 times and they never followed that protocol.i never recieved it! violation! 
This has been my XXXX reconsideration due to me knowing I'm not Liable or responsible for this.i extended my documents I sent over 25 serious documents.i emailed the director of bank of america, and Fdic director regarding this as well.the representatives I've been speaking to has been horrible to me, no help.they have been losing my faxes i would call 2 weeks later after a fax and they will respond they dont have or resend. really wish I can get this handled this has the biggest stress factor of my life right now I've been going through this for 3 years! THANK U
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided information to Experian multiple times proving that I do not owe XXXX XXXX  XXXX anything, and that they actually owed me money at the time I canceled my policy. The cancelation documents clearly state this. Therefore I don't know why experian refuses to remove this fraudulent report from my credit report.
Product: Debt collection

I have requested proof of validation on several occasions from this company. I have called FMS and they stated they no longer have this account and could not locate my information. Account is still on my credit report from this company and After requesting that information several times they failed to provide me with that proof that I am allowed to have by the guidelines. They failed to send me the requested proof and stated that they are not in charge of this account. I have no contract with this company so therefore I want this account closed and removed from my credit report. This account is under a law firm and payment arrangements are made, not with FMS.
Product: Credit card

I received a no reply email from the nwtspwnd prepaid XXXX for a person name XXXX to my email and I would never in life use a prepaid card. I have XXXX bank accounts and a credit union. Website states they use photo id to open account so I want it traced to find out who has been using my email as this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX  XXXX account for months. XXXX and XXXX have reversed them but Experian refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Checking or savings account

My Chime account was closed for a reason unknown but in my saving i had over XXXX left in my saving and i can not get any thing back at all and i dont even know why my account was close i would just want my money back and leave chime in general
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a collection/charge off how can there be a late payment on it? This a Violation. Delete this account immediately Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file.