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

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

on XXXX/XXXX/22, I called Westlake Financial to get a extension on my car loan and a representative stated to me that the car was repossessed on XXXX/XXXX/22, Which I shocked being that i was driving the car. Shortly after i spoke with another representative that told me that a repo request was put in that day, XXXX/XXXX/22. Later that morning the car was repossessed. Upon speaking to a representative to see what my balance is to recover it they said {$840.00} plus a {$500.00} repossession fee. After recovering the vehicle, applied to my account was {$650.00}, I called again and the representative and she said she had no recollection of why the representative said that, I then read other reviews of people saying the recovery fee was {$500.00}. And not to mention the representatives are very rude and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Description of What Happened : I contacted Chase regarding my XXXX XXXX account ( ending in XXXX ) with a balance of {$4500.00}. Due to my XXXX XXXX and my work in a tipped position, my income fluctuates and presents unique financial challenges. I requested accommodation under the XXXX, specifically asking for either a balance reduction or other forms of relief that would make repayment more manageable. I outlined that a period of unemployment further exacerbated my situation, and while I have now secured a full-time role with an upcoming paycheck on XXXX XXXX XXXX the lack of flexibility in Chases repayment structure has been difficult to navigate given my XXXX. 

In my original message, I requested that all future communication regarding this matter be conducted via email, as frequent phone calls have led to significant emotional distress. These repeated calls, particularly during night hours, have caused heightened XXXX  impacting my ability to manage my XXXX symptoms. Despite this request, Chase has continued to call me at all hours, ignoring my accommodation needs. This lack of acknowledgment of my XXXX request and the ongoing calls contradict both my need for stability and Chases stated commitment to accessibility. 

In short, I believe Chase has not provided the appropriate support for customers with XXXX or those with non-traditional income sources. I am requesting CFPB intervention to ensure that Chase acknowledges my accommodation requests and makes necessary adjustments in line with XXXX principles, especially regarding communication methods and account management for individuals with XXXX.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I clearly listed the accounts and pointed out the violations they were making. It's been over 30 days, and they haven't responded. I'm attaching copies of all my letters. According to the Fair Credit Reporting Act ( FCRA ), they need to address all inaccurate information on my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company included in this complaint is showing two hard inquiries. You have within 30 days to shop a loan for a car without being negatively effected by the multiple inquiries. This provider was not the one I went with, and therefor should have fallen off.
Product: Credit card or prepaid card

I have additional information on an open complaint number : XXXX. Wells Fargo failed to auto pay my VISA credit card account as outlined in the current complaint. On XX/XX/2021 they added an charge for interest on the balance they claim to be outstanding. I would like my complaint numbered XXXX to be updated so the resolution desired includes the reversal of the charge for interest on the alleged balance.
Product: Bank account or service

I have a checking account at Bank of America. I unexpectedly had XXXX charges put through which overdrafted my account. But I covered them within hours with a transfer of {$100.00} from another account, plus a cash deposit at the bank 's ATM of {$60.00}. But the bank still put through XXXX {$35.00} overdraft fees. This resulted in a negative balance again because the bank rearranged the charges to my account from high to low and I accidentally paid for a coupon to fill a prescription drug on a website called XXXX XXXX. The website automatically stores credit and debit card numbers and I accidentally hit the debit card number to my checking account and a {$28.00} charge was put through my account which overdrew the account even more I do n't have any more money to bring my account back to positive territory. I will be getting an extended negative account balance charge in five days that I wo n't be able to cover. I called customer service at the bank to ask them to remove the overdraft fees because I had covered them within hours. They were very cold and cruel and refused. 

I have no money to buy food or pay for my prescription medications. Please help me. I am living on Social Security XXXX and have a XXXX illness.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that pursuant to the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit card or prepaid card

I received an email that my Capital One Travel Rewards trip, booked XX/XX/XXXX, had been changed on XX/XX/XXXX. I was advised to contact their travel arm or XXXX XXXX XXXX XXXX said they could offer me no information about the rescheduled flight and that my trip had been canceled. They advised me to contact Capital One Travel. I have called at least ten times and have either been disconnected or placed on hold for over half an hour with no one answering. I booked my XXXX flight early in order to get a good price. It is a one way trip from XXXX to XXXX, XXXX, through XXXX. I paid XXXX or {$720.00}. I have hotel bookings and do not know if I should cancel them or book another flight.
Product: Checking or savings account

My name is XXXX XXXX please the remove the temporary suspension from my checking account and saving account I got these two emails Confirmation needed to release temporary suspension protecting your account ending in 0866 Confirmation needed to release temporary suspension protecting your account ending in XXXX Inbox Wells Fargo Online XXXX ( XXXX minutes ago ) to me Wells Fargo XXXX Dear XXXX XXXX XXXX XXXX Recently, we discovered unusual activity or updates on your account that we believe may be unauthorized. For your protection, we have temporarily suspended use of this account until you verify the activity ; you will not be able to use the XXXX XXXX linked to this account for withdrawals or purchases until we hear from you.

What you need to do Please contact us as soon as possible to confirm your recent activity or to let us know if you think this account was used without your permission. 

In person : Visit any Wells Fargo branch and speak to a banker. To find a branch near you, visit us online at XXXX By phone : Call us at XXXX, XXXX XX/XX/XXXXThank you, Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX Security Center | Contact XXXX XXXX Confirmation needed to release temporary suspension protecting your account ending in XXXX Confirmation needed to release temporary suspension protecting your account ending in XXXX Inbox Wells Fargo Online XXXX ( XXXX minutes ago ) to me Wells Fargo XXXX Dear XXXX XXXX XXXX : Recently, we discovered unusual activity or updates on your account that we believe may be unauthorized. For your protection, we have temporarily suspended use of this account until you verify the activity ; you will not be able to use the XXXX XXXX XXXX XXXX this account for withdrawals or purchases until we hear from you. 

What you need to do Please contact us as soon as possible to confirm your recent activity or to let us know if you think this account was used without your permission. 

In person : Visit any Wells Fargo branch and speak to a banker. To find a branch near you, visit XXXX online at XXXX By phone : Call us at XXXX, XXXXXX/XX/XXXXXX/XX/XXXXThank you, Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX Security Center | Contact Us XXXX please remove the temporary suspension from both accounts saving account and checking account and remove the temporary suspension on debit card my ssn number is XXXX to look up my savings account number and checking account number but I think it is Everyday Checking Account number : XXXX Do not show Everyday Checking account number XXXX Account number : XXXX Do not show XXXX account number Routing number : XXXX Please look at the attachment below etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian for a credit report as well as to dispute an error on my credit report. On XX/XX/2021, I received an email from Experian indicating that their investigation was completed and the disputed information remains. However, to my dismay, they have my social security number associated to a different person. They sent me this person 's credit report which includes addresses, credit history, and also shows that this person is in debt with chapter XXXX as well as back child support. I am deeply upset by this as this person is a man and I am a woman. I live in Illinois this man lives in Alabama and I have never lived in Alabama. This man 's information is associated with my social security number. I have attempted to reach Experian at no avail.
Product: Debt collection

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
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was just looking over my credit report and found some addresses, names and phone numbers that appear to be inaccurate/incorrect. I've enclosed documentation below providing proof of current address, phone number ( mobile ) and proof of identity, as instructed to do so on your website. To make your process of deletion easier, Here is a list of incorrect items. ( Names ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should be only one address, one variation of my name and one phone number on my credit report which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once you have deleted all inaccurate information from my report, Please send my copy of my updated report immediately thank you.
Product: Checking or savings account

On about XX/XX/year> my account was charge for a check transaction in the amount of XXXX dollars I contact the bank about this fraudulent charge to my account. Someone wrote a check from my account that I was unaware of and did not have any checks from this account for XXXX to be written out from this is very confusing. They told me that my funds should be back in my account within XXXX business days. It is now XX/XX/XXXX I have yet to receive my funds. This is very inconvenient for me. I have bills that need to be paid. They said XXXX days, this is getting very frustrating can someone please help me retrieve my funds. Thank you so much in advance.
Product: Debt collection

credit cards and car insurance opened under my name that wasn't me capital one {$8400.00} debt dated XX/XX/2021 another capital one card for {$600.00} but i have no date on debt XXXX  for {$600.00} also no date on debt I have contacted and reported to capital one on both cards and XXXX  that it was fraud and identity theft
Product: Student loan

The customer service reps continue to hang up on me for no apparent reason. Every time I contact them a different rep gives me different & incorrect information. They keep creating excuses as to why my Refund timeline keeps getting pushed back.

They claim that they do not have all of the information regarding my loan from the Department of Education. When I called the Education Department they said that Aidvantage should already have all of my loan information. 

Advantage is intentionally causing delay for student loan refunds.
Product: Vehicle loan or lease

I have spoke with credit acceptance about this loan and they stated that they can not speak to me about this account .On my credit report credit acceptance is reporting false information about this account and they damaging my credit history .I request for my title to be sent me and there has been not communication since then .no title. This company is under litigation for predatory lending.
Product: Debt collection

Had previous issues with NOT receiving billings, not being notified issue with my account and payments paid not being taken out as keyed in. Had to pay XXXX XXXX  account on XX/XX/XXXX via registering my bank account and keyed in payment of {$53.00}, so that I could pay account in full by XX/XX/XXXX ( equal payments for three months ). However, wasn't notified that payment NEVER went thru, until received email saying check my statement today, XX/XX/XXXX. Saw, when finally go into account online, that I was being charged {$27.00} late fee. Called Macy 's and was told wouldn't reverse fee per supervisor. Asked again as issue was with THEIR system not taking the payment out I designated and had to register for. Then told supervisor would only allow {$14.00} to be reversed. Stated needed to speak with someone to contest this as I was NOT responsible for their system issue. I did everything I was supposed to to set up the payment and that I HAD paid as I have a checks and balances system, so that when a payment is made I check it off, and it showed on my calendar that the payment was made. The supervisor then got on the phone line and stated we were being recorded for COLLECTIONS!!! So I am contesting the {$27.00} late fee, and any negative statements sent by Macy 's to the credit reporting bureau. I wish this to be looked into and the fee reversed and any derogatory remarks removed from my credit report, as the statement says I have till XX/XX/XXXX to make a payment.
Product: Debt collection

XXXX XXXX XXXX, NATIONSTAR, XXXX AND FINALLY XXXX ARE ALL VIOLATORS OF FDCPA AND DODD-FRANK ACT.
Product: Debt collection

I received a letter on XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX, saying a judgement for {$1000.00} is dormant and can not be enforced but in the near future, likely within the next 60 days, his office will file a motion to substitute appearance of councel and a motion to XXXX  judgement. They are claiming the judgement is from is from XX/XX/2016. I sent a verification of debt letter via certified mail on XXXX, the tracking is XXXX XXXX XXXX XXXX XXXX. It says delivered to a XXXX XXXX XXXX XXXX but XXXX  I got the letter returned to me, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$5400.00} XXXX/XXXX  XXXX XXXX {$1300.00} XXXX XXXX  XXXX This is a FCRA law violation. I was never late. 
XXXX XXXX XXXX {$41000.00} This is a FCRA law violation. I was never late. 
XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.