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

I was a victim of fraud back in XXXX XXXX XXXX XXXX 2022 to both business and personal checking account, at Wells Fargo, I have failed claims, but they have Only honored and return the money of my business account, its been eight months And they keep giving me the runaround. The claim both personal and business are from the same incident why find one in my favor and not the other? This account is both under my brothers name XXXX XXXX and myself. They dont want to honor it because they claim XXXX took the money, But my brother XXXX XXXX XXXX  when this happened from XX/XX/XXXX to XX/XX/XXXX XXXX 2022, and I will enclose copy of his XXXX And police report. His credentials were used while he was XXXX XXXX to open accounts at other locations, at that time money was transferred to the fraudulent accounts they were open and that is how the money was withdrawn
Product: Credit reporting or other personal consumer reports

As stated in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), consumer reporting agencies are required to maintain accurate information in consumer reports by following reasonable procedures to ensure maximum possible accuracy. In my case, XXXX has failed to meet these obligations by reporting an inaccurate collection account from LVNV Funding LLC under the account number XXXX. This account is erroneous and violates these procedures, as it remains despite being disputed and despite LVNV Fundings well-documented history of unlawful reporting practices.

In addition, 15 USC 1681i ( 5 ) clearly states that if a consumer disputes an item and the credit bureau can not verify the information as accurate, the bureau must promptly delete or modify the entry. This was not done in my case. Furthermore, XXXX did not notify LVNV Funding that this information was disputed and unverified, which is required by law.

15 USC 1681s-2 prohibits any party from reporting information to a credit reporting agency if they know or have reason to believe it is inaccurate. The continued reporting of this collection account from LVNV Funding, despite my disputes and the companys unlawful history, directly violates this provision. 

Moreover, 15 USC 1681b ( a ) ( 1 ) prohibits the furnishing of consumer information if the party knows or should reasonably know that it is inaccurate. This account has been repeatedly disputed, yet remains on my report, which demonstrates a failure by both XXXX and LVNV Funding to comply with federal law. 

This pattern of inaccurate reporting and failure to investigate and correct errors is unacceptable. Please investigate this matter thoroughly and take the necessary corrective actions to comply with federal law. 

Thank you for your immediate attention to this matter.
Product: Student loan

I received notification from EdFinancial ( a student loan servicing company based in TN ) in XX/XX/XXXX, that the balance of my consolidation student loan was forgiven because I had made payments on it for 25 years, from XXXX through XXXX. Between XXXX and XXXX, I had made excess payments of {$9500.00} on the student loan. I understand that I am to receive a refund of the overpayment of {$9500.00}, and I have inquired since XX/XX/XXXX several times, as to when the refund will be sent to me. No response has been received.
Product: Payday loan, title loan, or personal loan

Rise credit use questionable verification process to deny my application for a loan. I had previous loan with Rise credit and my payment history was excellent and I paid off the loan completely early. Rise credit have constantly soliciting me for more loans through emails and letters sent to my home. 

I provided several documents of very sensitive and confidential information regarding my banking accounts. They now claim the documents could not be verifiable and manipulated. But Rise credit didn't report to the police and they advise I reapply to them in 45 days. I don't understand why would they want me to reapply if this was a Fraudulent account? 

I asked to speak to Management and that did no good. If Rise credit can't determine if an applicant is legit then I am concerned that they have my confidential information.
Product: Mortgage

I received a report that XXXX XXXX people are owed serious cash from Wells Fargo if I had a mortgage with them. I do believe that I was over charged on my payments during the years of XXXX to the rear of XXXX on my mortgage. I want to file a complaint for those years of over payment.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 1. Account name : Toyota Motor,  Account # XXXX, Date opened : XX/XX/XXXX, Reporting on : XXXX/ XXXX.. 2. Account name : XXXX XXXX, Account # XXXX, Date opened : XX/XX/XXXX, Reporting on : XXXX/XXXX.. 3. Account name : XXXX XXXX, Account # XXXX, Date opened : XX/XX/XXXX, Account Balance : {$210.00}, Reporting on : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to show new payments and that account is fully paid off
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my BNASELFLNDR - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Money transfer, virtual currency, or money service

on XX/XX/2021 I thought I was purchasing a XXXX  XXXX from a seller on XXXX. They stated their XXXX was locked and I could XXXX over the money ( which I did ). The seller said she would email me the shipping info ( which she never did ) and I never got the item. I called my bank the very same day reporting this person a scammer ( and sent over all the paperwork and correspondence ) and they keep denying my claim. My money is not protected by my bank
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report and there are two addresses that don't belong to me XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Also two inquires that I haven't been authorized by me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 



15 USC 1681 section 602 A 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 accounts without my written instructions. 

Disputes were sent out on XX/XX/2024 and noting was removed these medical bills are a violation of my consumer law please remove all of these or I will pursue legal action against Credit bureaus and CFPB!!!! 


XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

Under 15 US Code 1681a ( 3 ) medical collections are in violation and can't be on any credit report
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can not furnish a account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency 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 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

I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I submitted a complaint on XX/XX/year> through the CFPB regarding CREDENCE RESOURCE MANAGEMENT attempting to collect a debt that is not owed and reporting the information on my consumer report. I have no contractual business with this company that makes me legally obligated to pay them. Yet they are reporting this information on my consumer report intentionally causing unmeasurable harm to myself and my family. I asked for validation of this debt and was sent a composed file that should be a representation of me. Please see the attached.
Product: Debt collection

For over XXXX XXXX, I have received calls trying to reach a debtor. I have owned my number for over XXXX XXXX & I do not know the named debtor. But somehow, my number was associated with the debtor through deception, or similar address in the past ( maybe I rented a place where XXXX once lived? ). 

I have sent reply texts and voice mails to the calling number pleading the removal of my number from their data base of the debtor. 

I sent a Decease and Desist letter to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX of XXXX  and calls slowly dwindled away for a few XXXX, but have now resumed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard Inquiry was placed on my Credit Reports by these companies without my knowledge. 

XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX Mariner Finance. Llc on XX/XX/XXXX Mariner Finance  on XX/XX/XXXX XXXX Card service on XX/XX/XXXX
Product: Checking or savings account

I received an online ad to sign up for a Chime online banking account and receive a {$200.00} bonus. The stipulations were I needed to start a direct deposit of over {$200.00} within 45 days. 
I met there requirements in well under 45 days. 
I have contacted them about were my money is. 
Everyone has amnesia about the program. They keep talking about referring new customers. This has nothing to do with that. 
The {$200.00} is for becoming a new member.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is paid in full. States closed but has a balance of the amount of my last payment. Please remove any balance and put it at XXXX Balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX 2.Cavalry Port I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Debt collection

American Express has contacted immediate family members about my credit card debt. They have told them I have outstanding debt and what the balance is. As they are not co-signers on the account, this is illegal. I can not believe American Express would resort to illegal business tactics. They called immediate family ( a different phone number than mine, and yes they have my current address and phone number on file ) in XXXX and XXXX of 2020. I reserve the right to pursue legal action.
Product: Mortgage

XX/XX/2022 Mr cooper has been supplied documents concerning the method of how income is dispersed the amount of how the funds are received and the date of when the funds are dispersed ( no consideration has been given ) I have supplied death certificate ( has not been acknowledged ) ive suppled my work contract ( ignored ) everything has been pending for about eleven business days and its has been like this since XXXXN. Im tired of writing and complain and nothing being done. This will be my last time writing to CFPB im going to start contacting legislation this is XXXX. This company circumvents rules whenever they feel like with impunity and CFPB you are responsible for this mess as well i have been tortured by this organization for YEARS Like I ve been literally checking mr coopers web site DAILY for updates or my email and i only get CFPB responses and the issues is satisfied with a " response and closed '' XXXX... The documents I have supplied mr cooper are valid and credible YOU VILOATED YOUR OWN POLICY MR COOPER 3-5 business days ( your own policy ) is a joke so keep pulling more arbitrary rhetoric out of your XXXX to save your skin. You been on a Sabbatical this entire time when im trying to adhere to a deadline only to push dates back cause when all know you LEGALLY cant do anything officially until XXXX ALLEDGELY ... OH BTW you notice not a SINGLE SPOC person has called me considering that my mod consideration is due to expire in about two weeks casue of the process THIS WAS USED LAST MONTH when you violated the law to call me TWICE but i suppose Mr cooper was was so concerned WHY ARENT YOU concerned now ABSENTEE servicer!!!??? cause its not convenient applying it to your situation to be absolved from liability??? admit you violated your own XXXX business day policy. SHOW why your fortune FIVE HUNDRED company lack the INABILITY to accept entire PDF files and it has to be uploaded one document at a TIME. PREDATOR STALLER LIAR SUBTERFUGE TRICKSTER ETC ETC
Product: Credit card or prepaid card

Bank Of America committed corporate theft by withdrawing finds from my back account for a minimum payment due when there is a XXXX  balance. 

I called the service number on the back of the card on XXXX at XXXX XXXX, XXXX, " XXXX '' justified the corporate theft by stating auto pay is set up for the account. It is, and I responded that I am looking at the auto pay parameters and it states the minimum payment will be processed, but there is no balance? I terminated the call after XXXX decided again to justify the theft committed by Bank Of America.
Product: Payday loan, title loan, or personal loan

credit karma informed me that i had high approval odds but both times I was denied even when my credit score was high than the first time, I have inquiries that where not needed and my credit score shot down dramatically and I have been denied for other loans, what makes matters even worse is that I seem to can not get them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act ( FCRA ), XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX Acct # 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 an account without written instructions.

all the proof of dispute certified receipts are attached as well as the reports showing other reporting violations other than my Privacy. These Creditors and the Reporting Agencies Experian, XXXX XXXX XXXX XXXX have violated my rights pertaining incorrect or incomplete reporting 15 U.S.C. 1681i Paragraph ( 5 )
Product: Vehicle loan or lease

Decided to buy vehicle at the end of lease term form Ally Financial. Sent a bank cashiers check for full payment in accordance with lease terms that was processed by Ally on XX/XX/2020. Sent them multiple emails through their website that have gone unanswered. On XX/XX/2020 finally got a hold of one of their customer service reps who informed me that my lien release would arrive within 7-10 business days. After that did not happen, on XX/XX/XXXX sent certified letter to Ally financial and once again requested lien release. Received a call from Ally on XX/XX/2020 and the representative stated they were looking into it. Have not heard anything from Ally since then. It has been almost 2 months since vehicle was completely paid off with a bank cashiers check and still no lien release from Ally Financial
Product: Debt collection

My Identity has been stolen and several accounts have been opened in my name. I Have reached out to this company explaining to them multiple times that this account was opened up fraudulently in my name due to identity theft. I have submitted all legal documents several times and the information is removed and then placed back on my report. This company canceled out XXXX account that was also fraud but refuse to cancel this one and refuse to sent me proof of why they feel this belongs to me.
Product: Debt collection

I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you