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

Wells Fargo Bank , N.A . 

This Is An Urgent Request for Resolution of Unauthorized Transactions and Security Breaches Dear Sir/Madam, I am writing to formally request immediate intervention and resolution of serious issues involving unauthorized access and transactions in my Wells Fargo bank account. Despite my previous efforts to rectify security issues, my account continues to be compromised, indicating a significant and ongoing breach. 

Account Security Breaches : Unauthorized Transactions : Unauthorized electronic funds transfers and XXXX transactions totaling {$3800.00} were made from my account to unknown parties without my authorization. 
Unauthorized Account Changes : My Wells Fargo Online password was changed, and my email was unenrolled from XXXX transactions without my knowledge or consent, as evidenced by the attached notifications. 

Unauthorized Use of Transfer Service : Transactions involving the transfer service XXXX were made, a service I have never used. These transactions necessitate a full refund by Wells Fargo. 
Dispute with Wells Fargo : My claims have been previously rejected by Wells Fargo despite the provision of new evidence of continued unauthorized access and transactions. There is a clear failure in Wells Fargo 's security measures to protect my account, and the response to my situation has been unsatisfactory and inadequate. 
Legal Context : Under the Electronic Funds Transfer Act ( Regulation E ), I am entitled to a prompt investigation by Wells Fargo, recrediting of my account for unauthorized transactions, and a written explanation of their findings.

Request for Wells Fargo Action : I kindly request Wells Fargo to : Investigate the ongoing unauthorized access and transactions in my account. 
Identify and provide the IP addresses used to log into my account and change my password without my consent. 
Ensure adherence to the provisions of the Electronic Funds Transfer Act ( Regulation E ) by conducting a thorough investigation, providing a detailed written explanation, and recrediting my account for the unauthorized transactions.

Enclosures : Notification of unauthorized password change for Wells Fargo Online account. 
Notification of email unenrollment from XXXX transactions. 
Evidence of unauthorized transactions involving XXXX. 
Police report and additional documentation evidencing unauthorized access and transactions. 
Thank you for your prompt attention to this matter. I look forward to your immediate action to resolve these critical security issues. 

If Wells Fargo fails to respond to this demand within 15 days of receipt, I will have no choice but to file a complaint pursue legal action in small claims court to recover my losses and address this ongoing security issue. 

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

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX  Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days of the first contact.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Checking or savings account

Bank of America has committed XXXX XXXX against me and my company. They have garnished my accounts of thousands of dollars under false pretenses. They have unfairly turned me down for loans, credit cards and secured credit cards when the money was in the account. I have had to argue and fight with these banking institutions for years. They have practice unethical practices and behavior..
Product: Checking or savings account

My account with Chime had a balance of {$1700.00}. They sent me an email saying they had made the decision to close the account. I spoke to a very nice lady and asked her what I should do. The agent on the phone emailed me a link saying I needed to submit a picture of my ID ( front and back ) in order to reopen the account because it was on hold and they needed to verify my identity. I sent the information Chime requested on XX/XX/2024. Upon submitting they auto populated a message that said it could take about XXXX hours. I waited 3 days and never received an email, so I called them again. The agent on the phone said that they received the information I had sent but Chime still decided not to reopen. I then asked about the {$1700.00} that was in the account prior to closing. The agent did not have a specific answer and continued to say she does not have access to see any further. She was nice on the phone but could not go any further. I have called Chime customer service several times. Most of the agent have been very professional but unable to answer. One agent told me that a check will be mailed to me but could not give me a timeline. THIS IS SO FRUSTRATING. I HAVE NOT BEEN ABLE TO PAY ANY MY BILLS BEACAUSE CHIME IS HOLDING MY MONEY AND I DO NOT HAVE AN ASWER AS TO WHEN OR IF THEY ARE MAILING ME A CHECK. PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

all three credit bureaus have incorrect information.i am uploading the discrepancies
Product: Credit reporting or other personal consumer reports

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau ( TRANSUNION ) has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX COMPANY or ENHANCED RECOVERY CORPORATION depends which credit reporting agency you look at, is putting a collection from XXXX on my reports. I have never had an account with XXXX ever and I 'd like these removed. I have disputed with the credit agencies ( XXXX and XXXX ) and to no avail. I have disputed a XXXX time and I still have yet to hear back. When I call the collection company they answer and hang up. I 'm convinced this is fraud and I 'm not the only person saying this. A google search of any of the company names shows others complaining about accounts that they have never owned. I just want this removed from my account and this company shut down. They 're illegally trying to collect debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never live at a certain address and I never had some of the phone numbers. And on one report last name is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice two incorrect information on my report one for the amount of {$630.00} that was reported on XX/XX/XXXX under XXXX XXXX as original creditor, the address reported is not my correct address. and there is another one that i dont even know about and the amount 0f {$1600.00} that is appear to be a medical debt under coconut creek XXXX XXXX that i deffinetly know about. I'm fully insurance and have been like that for ever.
Product: Credit reporting

I 'm having a hard time understanding how both XXXX and TransUnion are violating the FCRA by not blocking these XXXX accounts within 4 business days after the receipt of my letters. I wrote last month letting them know that I 'm a victim of identity theft and that I require these items to be blocked and removed immediately and absolutely nothing happened! I sent my letter, identification, affidavit and police report and it makes no sense to me how they can just disregard this information! 

The account I 'm disputing with TransUnion is : I did n't apply for this, I did n't open this, I did n't do it online or in a store. This is NOT my account! This is a fraudulent account and must be blocked immediately XXXX XXXX I did n't apply for this, I did n't open this, I did n't do it online or in a store. This is NOT my account! This is a fraudulent account and must be blocked immediately XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent a few more letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact and disputed with all credit Bureau in regards to collection debt under {$500.00} that still have been removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act : XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681s-2 ( 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.C 1681 section 604 A section 2 : states, A consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A. states, I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Pennymac LOAN - XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ant open end consumer credit plan as late for Any purpose
Product: Debt collection

It was reported on my credit on XX/XX/XXXX that I owe money to XXXX. I have never received anything from XXXX XXXX ( the collection company ) or spring on this saying I owe money. I havent even been with XXXX for 6 months. I can not find any contact information to dispute this with convergent as I am unable to find a number or even website. I do not believe this debt is mine. And XXXX had and has always had my updated information.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports : Possible Financial Inc, Acct XXXX XXXX XXXXXXXX Your company is in violation of the FCRA and XXXX XXXX and reporting violation. 



15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, 15 USC 1666b ( a ) : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

Roundpoint mortgage have taken over embrace home loans now they both have been reporting to all three credit bureau, like i have XXXX different mortgages and they both have me late 3 times witch that is not correct reporting. I have try to fix this with all three of the credit bureau and both mortgage company, but they both is not trying to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and explained to them my credit profile is incorrect regarding my XXXX XXXX account. I was told by Equifax I need to contact the creditor. I spoke with a Manager at XXXX by XXXX XXXX and was told they will submit a case. I explained based on the FCRA everything on my report must be accurate and verifiable. Equifax and XXXX XXXX did the opposite, rather than following the law, they just corrected the information which they can't do because it was incorrect on my report. I submitted disputes XX/XX/2020 with No resolve I added the attachment to show proof of the violation. XXXX shows how it was recorded XXXX shows the report adjusted. 

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

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights .

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
Product: Prepaid card

I requested cashap do an investigation and stop the payment or do a reverse and never received or had money refunded
Product: Student loan

I have worked at the XXXX XXXX XXXX, XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX and recently applied to for PSLF and was granted PSLF on XX/XX/XXXX. I have made multiple payments after leaving XXXX  totalling {$12000.00} ( see Student Loan Payments after XXXX XXXX  and a few of them totalling {$1100.00} have been refunded ( see XXXX XXXX XXXX XXXX ). However, a large amount, {$11000.00}, has yet to be refunded. I have contacted Fedloan Servicing about this issue but have yet to recieve an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Money transfer, virtual currency, or money service

I have a Venmo account that has unauthorized transaction I reported they refunded my money but locked my account so I'm not able to get my funds off I been emailing calling chats for over a week straight and still no one has resolved my case
Product: Vehicle loan or lease

I have a Santandar charge off on my credit report that has an address that is not mines and I have never lived at that address.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

XX/XX/XXXX harassing phone calls/voicemail to collect a debt that is not my debt XX/XX/XXXX harassing phone calls/voicemail for a debt that I am not responsible for. 
Company is using my name in their communication to collect this debt.
Product: Student loan

In XX/XX/XXXX  and XX/XX/2017 I was told that as a XXXX  I qualified for loan forgiveness. Either I called them or they called me, but I was told that I would be forgiven over {$7000.00} if I enrolled in this program. So they guided me through to help me get signed up, I believe that the company was federal student help? They told me that it was an income driven repayment plan, but they assured me several times that my payments would never change. I asked several times to make sure that this was the case and they assured me that that was how the forgiveness worked, pay them for ten years and the government forgave what was not paid after that time period. at the end of the ordeal I was promised payments of {$62.00} for the next ten years. 

I was seriously misled. and I have paid way more in stupid extra fees than I ever would have otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received the following alert from Experian For a Hard Credit Report Inquiry For a XXXX XXXX  Installment Loan or Bank Account. 

I have never had an account with this bank and have never applied for an account with this bank. XXXX XXXX  and Experian have been notified. And I need this Inquiry Taken off my Credit Report. 

A Police Report Regarding this Issue was filed with the XXXX XXXX XXXXXXXX Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is that I have 2 accounts XXXX XXXX & XXXX XXXX XXXX that are this reporting negative credit information and the 7-year rule is in effect. Both accounts in question 1st became delinquent over 7 years ago. I disputed this with all 3 credit bureaus and not only did they not fix the problem, they also didn't properly investigate the matter. Not even the creditors were able to verify what we requested.My complaint today is with Experian, XXXX, and XXXX. Hoping to get this resolved and appreciate your help.