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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 card or prepaid card

I have been trying to dispute fraudulent information that I noticed have been reported on my credit report by XXXX. Several months back I had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in the XXXX data breach.
Product: Student loan

On XX/XX/XXXX, I called my loan servicer and requested a refund of payments I made on the account and explicitly discussed that only those payments that can be refunded to me -- - I did not want them to send them back to my employer. 
On XX/XX/XXXX, my employer told me that they received a check from my loan servicer that mirrored what they distributed back in XX/XX/XXXX and that they could not give me the payment, but they would cash the check and credit it to the Agency 's funds. 
On XX/XX/XXXX I spoke with a Customer Advocacy Supervisor about this issue. They revalidated that this is in fact their error and that payments were only to be sent to account holders. She didn't have the ability to cancel the check in question, but she would try to send a letter to my employer explaining what happened, requesting that funds be sent back. 
On XX/XX/XXXX I spoke with a Customer Advocacy Supervisor about this issue, they reaffirmed that they mailed a letter to my employer on XX/XX/XXXX and that I should call back if this is not resolved by the 2nd week of XXXX. 
On XX/XX/XXXX, I spoke with a Customer Advocacy Supervisor about the issue, they reaffirmed that a letter was mailed to my employer on XX/XX/XXXX ( but my employer never received such letter ), and that she would personally draft me a new letter and it will arrive in 3-5 business days. 
On XX/XX/XXXX, I received the letter to give to my employer and they are contemplating whether or not they will release those funds that were returned. 

How is this possible? I asked for a refund of payments I made to the account and verified that I did not want any payments to be sent to my employer and that if they would be to " not '' refund those then. The loan servicer did not listen and sent the money to my employer. The loan servicer is trying to hold me accountable for the balance. That balance will begin accruing interest. This all benefits the loan servicer to my detriment. How is this legal? The loan servicer did not have me sign a single thing. I have a phone conversation request for this and it is costing thousands of dollars. Please help investigate this matter since I have no other recourse. I am at the mercy of my employer " choosing '' to remit payment back to the loan servicer, and the loan servicer is trying to hold me accountable for funds they illegally sent to someone who is not me. Thanks.
Product: Checking or savings account

I went to close my BBva checking account XX/XX/2018 I sat for twenty minutes while XXXX at the XXXX branch stared a a computer screen which was supposedly loading slow. He says he closed the account and refunded me the {$6.00} cents in the account. He then tells me he can't close the account until the pending transactions clear. The pending transactions were less than XXXX dollars. He warns me not to use the debit card and I leave. I am reading my email XX/XX/2018 that they paid a debit that I haven't had transferred yet knowing I had XXXX balance in the account. The debt was XXXX plus XXXX dollars NEF fee. I had opted out of overdraft when I got the account but they kept paying after I told them several times not to do it. I refuse to pay a debit to s closed account. I did not give them authorization to pay it
Product: Debt collection

They are charging me {$170.00} for an account that was opened. XXXX Knows when. This look fraudulent. it seems someone else bough something from the company they represent. 
I have no knowledge of how this happened and when this happened. My credit bureau was already informed about this mistake. The company says that it is mine and that I need to pay. I told them repetitively times it is not and that is fraudulent, They do not want to fix it.
Product: Credit reporting or other personal consumer reports

XXXX $ and {$660.00} owed by Midland credit management this was during a fraud in which multiple accounts were opened without my permission or knowledge
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX
Product: Credit card

Twice I have submitted disputes to this bank about merchandise that I was charged for and I did not receive. Therefore I filed a dispute the first one was with the store XXXX XXXX XX/XX/year>. The customer service agent put in the system that I was over charged and requested additional information. I called into the bank and talked to another customer service agent and was told that person put in the incorrect information because I explained there was a power outage and I was charged 3 times for merchandise I NEVER received. She said okay I will update the dispute. The total amount for those transaction : {$340.00}. What do I submit as evidence an empty coat hanger with nothin on it? To date I have seen no information about that. 

I then made an online purchase in XX/XX/year> ; to this date I have not received the merchandise from XXXX XXXX  I was accused of having the product when the tracking number stated it was not delivered to me. There was no apology from that merchant and again the bank paid the merchant when there was proof submitted that I did NOT receive that merchandise either. I was told by the merchant the merchandise would be sent the same day I packed the order. Two months later and I still do not have the merchandise. The total was {$750.00}. I have never received that merchandise so how can I pay for something I do not have? I am not sure what else to do besides to serious close my account because this bank is full of unprofessionals that have no idea what they are doing. This is starting to become a habit with this same bank and I am so tired of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX/Dept of ED # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

On XX/XX/year>, I received a letter from BYL Services, LLC., attempting to collect an alleged debt of {$220.00}. I dispute this debt as it is not mine. To address this matter, I sent a debt validation letter to XXXX XXXX XXXX XXXX requesting : Validation of the debt, including a detailed account history and calculation of the alleged amount. 

Proof of ownership of the debt, such as a bill of sale or assignment contract demonstrating XXXX XXXX authority to collect.

Verification of my liability, including any signed agreements or contracts evidencing my responsibility for the alleged debt. 

Despite this request, BYL Services, LLC., has continued to contact me through phone calls and mailed correspondence without providing any of the requested documentation. Most recently, they called me early in XX/XX/year>, disturbing me with collection attempts. Refusing to identify themselves and repeatedly asking me to identify myself. These actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically : -Their failure to validate the debt as required under the FDCPA after my formal written request. 

-Their continued contact and collection attempts after being informed that I dispute the debt and requested validation.
Product: Debt collection

The relevant law regarding debt collection practices in the U.S. is the Fair Debt Collection Practices Act ( FDCPA ), found in Title 15 of the U.S. Code, Sections 1692 to 1692p. Specifically, Section 1692c prohibits debt collectors from communicating with third parties, including minors, without the consent of the debtor. For detailed information, you can refer to 15 U.S.C. 1692.

They have contacted my family member to collect the debt The code governing the validation of debt is found in the Fair Debt Collection Practices Act ( FDCPA ), specifically in 15 U.S.C. 1692g. This section requires debt collectors to provide a written notice to the consumer within five days of initial contact, detailing the amount of the debt, the name of the creditor, and informing the consumer of their right to dispute the debt. If the consumer disputes the debt, the collector must provide verification before continuing collection efforts. 




I am writing to formally dispute the validity of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with verification of this debt. 

Please send me the following information : 1. Proof of Debt : Documentation that verifies the amount and origin of the debt.

2. Account Details : The name of the original creditor and the date of the last payment.

3. Collection Information : Any agreements or contracts I may have signed.

Until you provide this verification, I request that you cease all collection activities related to this debt, including phone calls and letters and reporting to credit bureas.
Product: Checking or savings account

In XXXX of this year my savings account was erroneously debited {$990.00}. I submitted a complaint to one of the branch and was credited back the funds. Yesterday, I received a letter from the credit union stating that an Investigation was done and the charge would be reinstated. I believe that a properly conducted Investigation have proven that I did not debited those funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or Scammer ) Dba : Deputy of Social Security Administration ( the Scam Company ) with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Bitcoin of America services.
Product: Vehicle loan or lease

XXXX BOUGHT A USED XXXX XXXX FOR XXXX 6 YR LOAN MY LOAN MATURED XX/XX/XXXX LEAVING A XXXX. BALANCE I MADE 71 PAYMENTS I WAS FORCED TO DO A MODIFICATION FOR BALANCE OTERWISE THEY WILL REPO MY CAR. I CALLED THEM AND TOLD THEM THE CAR ISNT EVEN WORTH THE AMOUNT / XXXX PLUS 18 % INTREST LEAVING 18 PAYMENTS OF XXXX FOR 18 MONTHS. 
BY THE TIME I AM DONE PAYING OVER XXXX YES, I DEFER SOME PAYMENTS DUE TO WORK EMPLOYMENT AND ILLNESS REASON THIS WRONG I VE CALLED SEVERAL TIME TO SEE IF QUALIFIED FOR RESTITUTION, DEFICIENCY WAVIER OR FORGIVENESS LOAN. THEY REPLY NO I XXXX ON LINE THEY HAVE BIG CLASS ACTION LAW SUIT I EVEN ASK TO HAVE THEM REVIEW MY ACCT FOR POSSIBLE ERRORS THEY REPLIED THEY DID. I HAVE ASKED HOW CAN YOU COME UP WITH THIS FEE / I DIDNT GET A CLEAR ANSWER I AM NOT THE ONLY ONE DEALING WITH SIMLIAR PROBLEMS SANTANDER USE XXXX XXXX XXXX XXXX XXXX TEXAS XXXX PHONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in three dispute letters starting XX/XX/XXXX-XX/XX/XXXX to all credit report agencys regarding accounts ( XXXX acct # XXXX ) ( XXXX acct # XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX  acct # XXXX ) ( XXXX XXXX acct # XXXX ) accounts not mine please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts. Just sent in a final letter XX/XX/2018,  notarized stating I will press charges. Please remove accounts immediately. Also XXXX acct # XXXX, never late on payment, and never late with account XXXX XXXX XXXX acct # XXXX
Product: Credit card or prepaid card

On XXXX XXXX, a credit card was opened fraudulently in my name with Synchrony Bank. The credit limit issued is {$6500.00}. The balance updated XX/XX/2023 is {$1000.00}. The contact info is XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

Excessively long wait time for XXXX  forms to be processed by MOHELA. I electronically submitted a " XXXX XXXX XXXX Form '' to MOHELA on XX/XX/XXXX. As of XX/XX/XXXX the uploaded form is still listed as " processing. '' Subsequently, the official tracking of my eligible and verified payments towards loan forgiveness is inaccurate. I have contacted MOHELA by phone to resolve this issue but had to hang up after being on hold for over 2 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per case # XXXX, Equifax, in witness of the CFPB, had accepted my claim and provided a resolution of removing the fraudulent collections account. Once the case was closed, Equifax, behind the CFPB 's back, went ahead and added it back to my account. I don't know if this is in error, but it is a very concerning matter that the CFPB ought to look into to make sure these large financial institutions don't engage in large scale fraud. Please make sure that Equifax 's agreed upon resolution from the previous case is enforced.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me and is under litigatio.Account was opened fraudulently. All supporting documents have been sent to creditors and credit bureaus. Requesting all delete from record immediately! 

I took loan out with this same company in the past and had it paid off. Now unknowingly the same company has another account opened up with my same information. The account was not opened up by me. After reviewing information that the creditor provided on this matter ; it came to prove that the information on the account are also not mine : phone number, email, bank information.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equfiax are reporting multiple adverse accounts on my credit report without any verification and consent, In which is infringing on my right to privacy pursuant to the Privacy Act of 1974. 

The account named XXXX XXXX XXXX, Account Number : XXXX, is adversely reporting inaccurate information. Such account contains an alleged debt in the amount of {$1500.00}. Such debt being reported is an alleged debt, I do owe any amount of such alleged debt. 

In addition, The credit reporting agencies are also adversely reporting account name XXXX XXXX XXXX XXXX Account number : XXXX. Such account is illegally reporting private student education records between me, the Consumer and XXXX XXXX XXXX XXXX. The account was paid in full, closed as of XX/XX/XXXX and has been for the last five years. Such account contains private transactional history and other private information. The information being furnished is completely inaccurate, infringing upon my right to privacy and is in violation of the federally enacted law Family Educational Rights and Privacy Act of 1974. ( 20 USC 1232g ) I have the right to make sure my private information isn't shared and that the information being furnished on my credit file is 100 % accurate and does not damage, impact, or destroy my character, reputation and livelihood.

15 U.S. Code 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 section 604 ( a ) section 2 states that " 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. '' the Consumer reporting agencies Equifax, XXXX, and XXXX  do not have my consent to furnish this information and they surely do not have my written consent. 

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. 

Equifax, XXXX and XXXX are not maintaining reasonable procedures. Their failure to do so has caused severe damage to my personal and household financial stability and mode of living due to the misleading, inaccurate and adverse information being reported on my credit report. 

If such items are found to be inaccurate and/or can not be verified by the original signed consumer contract within 30 days of receiving this notice pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) such items must be deleted from my file.
Product: Debt collection

I purchased a vehicle from XXXX XXXX in XX/XX/XXXX. I paid XXXX XXXX {$2500.00} as down payment and leased the vehicle from XXXX XXXX. Some time in the future, I was involved in an accident and the vehicle was totaled. I had thought I purchased gap insure but was advised I did not. XXXX XXXX gave the outstanding of approximately {$9000.00} to XXXX XXXX who garnished my wages at the time until the debt was paid in full. Sometime in XX/XX/XXXX, I was served documents to go to court from another attorney who advises I owe his client XXXX which purchased the {$2500.00} Debt from XXXX of XXXX ( who had filed Bankruptcy a while back ) that they have a court judgment asking for approx. $ XXXX. I have had communication with the attorney and we came to a settlement of {$4000.00}, however, I have advised him that this debt is untrue and have asked for verification. He has not responded period and is unable to verify the debt. In fact, he stated that he only knows what the client has stated and that I owe this money. The attorney has threatened my business and to subpoena all my investors and I did not want this embarrassment and agreed to a settlement. I am reconsidering my position and would like verification of this debt.
Product: Checking or savings account

A claim was filed in the amount of {$290.00}, a debit card purchase from XXXX which posted to my Wells Fargo account on XX/XX/2021. The item ordered, a XXXX XXXX t-shirt, was not received. The package was sent via XXXX and as explained to claim reps recently, XXXX driver has a habit of forging signatures, leaving packages where they can be stolen and or lost. Previously, the driver forged signature on a package, signed the name " XXXX XXXX '' whom does not live at my address. I believe the driver signed the name " XXXX XXXX '' for this package from XXXX, left it where it could be lost/stolen. I never sign my name as " XXXX XXXX ''. I suspect the driver chose to sign my name like this because I made a complaint about forged signature from prior package, signed " XXXX XXXX ''. This was explained to Wells Fargo claim rep whom called me several days ago regarding claim, mentioned it might be closed out and provisional credit reversed out of account... The credit was recently reversed on XXXX, overdrawing the account. With the information provided above, I request Wells Fargo re-investigate this transaction and reverse credit back in to account. Attempts were made to resolve with merchant and failed, merchant works with XXXX on a company level ... Their delivery team works with XXXX and considers the package as delivered correctly, despite forged signature by driver.