23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX ... our Wells Fargo Checking account was hacked ... and $ XXXX dollars were wired out of the account. Wells Fargo was notified within 20 minutes of this happening ... while they said they would do everything to recall the wire ... they did not. 

When I complained and asked why they did not ask us to confirm the wire ... they said that they texted my wife ... which they did not. 

I escalated all the way to what I was told was the " highest level of customer complaints '' the rep was XXXX XXXX ... to which she replied that they would do nothing ... and could not provide any record or confirmation of the text being sent or us approving the transaction. I was just supposed to take it on their word ... which is amazing to me. 

I asked her if she had the authority to change that decision to which she replied that she did not ... so I suggested she was NOT the highest level of consideration ... since she was not able to change it. We are out {$4700.00} ... and Wells did nothing to help and nothing in taking any responsibility for protecting the integrity of their customer 's money.
Product: Payday loan, title loan, or personal loan

Made payment on XX/XX/2022 REGIONS ACCT PMT ACH debit - {$50.00} The complaint is that I was reported late to the bureau for an annual fee. I never received notice that the fee was due. You also had an incorrect address stating an apartment number when I live in a house. When I saw the balance reflect on my credit report for my line of credit, I immediately contacted you to make a payment. I have 100 % on time payment and feel this was unfairly reported as I was not notified. I don't have online access as the representative I spoke to advised if you don't have a bank account, you cant be granted online access for line of credit. I ask you please remove this negative delinquent payment from my credit. As you can see I have never even carried a balance on the line and am very responsible with my account.
Product: Debt collection

I reviewed my XXXX via XXXX XXXX and noticed my score keeps going lower and found how to review negative remarks. I see Waypoint put XX/XX/XXXXXXXX  as I am late on a collection but I never received any debt notification. I called waypoint and they stated they mailed it to XXXX in XXXX. I stated I have lived in Georgia since XXXX. I disputed the late amount but the representative did not offer to resolve or was unwilling to remove any remarks stating I was late on this debt that I was never mailed about and have not received any information regarding the debt. 

I have audio proof I called XXXX today to get the number of this agency and then audio proof of speaking with the representative stating they mailed to XXXX, MN when I have lived in XXXX, GA at the same address for 4 years. On the entire audio call I stated to the representative I dispute the late mark and she didn't offer any resolution on this mistake. 

I am disputing this remark with all 3 credit unions as it is unfair practice to state this is a year old debt that has not been paid when I have never received an mail on this due to them sending to the wrong address. Therefore this is not late and needs to be removed.
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 Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : 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 or other personal consumer reports

I have multiple fraudulent accounts that were not opened by me, that I did not participate in, and were opened fraudulently by someone I knew. I have filed a police report and FTC identity theft report and provided this information in letters delivered via mail to each of the offending companies. All parties involved have received my FTC Identity Theft Report as well as police reports. XXXX, Transunion, XXXX, XXXX XXXX, and XXXX have all denied my requests to block this fraudulent information saying they verified it. This is a lie on their part. They did not verify the accounts or their balances belong to me. A tenant who rented at one of my residences stole my identity and opened accounts in my name after stealing my computer. While the offender is currently XXXX  due to a XXXX XXXX I am left to fix the debt myself with apparently XXXX help from these companies. I am accusing the companies of negligent FCRA violations in their handling of this investigation. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card

I applied for a credit card with Citi Bank on XXXX based on a application I received in the mail. I applied on line to see what credit limit and conditions I 'd get on the card. I was immeditly approved for the card and received an email from Citi Bank stating an account has been opened and card will be mailed. HOWEVER, I was not happy with the credit limit and the interest rate. I called Citi Bank immeditly to request the account opening process be halted and for Citi Bank to NOT open the account. I spent an hour on the phone with Citi Bank speaking to a number of individuals. All of whom stated " they could not stop the creation of the account '' and " that I can only cancel the card after its been issued and the credit card comes in the mail. However, I know this can damage my credit card, as the length of credit card account directly impact my credit score and it will lower my credit score. In addition it can delay getting a better card that I deem is right for my needs. I made several requests to Citi Card that they cancel and cease the opening of the account. However, they refused and stated " they simply can not ''. Even though I called them immeditly after the account was opened. The last XXXX digits of the card are XXXX of the Citi XXXX Card. 

I feel tricked by Citi Bank and feel as a consumer who was simply exploring what the cards credit limit would be I have been tricked into opening an account. I feel my rights as a consumer have been pliantly ignored and disrespected. I do NOT want this account. I do not want this card to lower my credit rating or score. I simply want this account creation to cease. Attached is the email I got from Citi Bank. Again, I spent an hour on the phone with Citi Bank requesting the account be closed BEFORE the card is issued. They said " they can not do this ''. I feel hijacked by Citi Bank and feel I had no rights in my own credit. Citi Card was very unhelpful in this matter in honoring my request in regards to my own credit.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2017 I went to medical clinic in XXXX NY when I was in college XXXX XXXX XXXX I had XXXX and then had XXXX XXXX to the XXXX. The doctor transferred me to XXXX XXXX by ambulance I did not consent to this because I was given XXXX XXXX The cost was {$1700.00} and my insurance XXXX XXXX XXXX, would only cover the cost if proper reasons are given for ambulance use from one facility to another facility. The ambulance company XXXX XXXX XXXX will not provide proper paperwork, XXXX XXXX and XXXX XXXX XXXX will not follow up. I have insurance through my Dad who is a XXXX XXXX. We are trying to straighten this out but everybody is pointing at the other guy and the collection company is threatening me all the time nonstop. How do I straighten this out. Please Help. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NYXXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX.
Product: Credit reporting or other personal consumer reports

AS A RESULT OF THE IDENTITY THEFT THAT I AM CURRENTLY EXPERIENCING THERE ARE INQUIRIES AND ADDRESSES THAT I HAVE NO KNOWLEDGE OR ASSOCIATION WITH This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NAME DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT I HAVE NO ASSOCIATION WITH Account number XXXX Open/closed Closed Date opened XX/XX/year>XXXX XXXX XXXX XXXX XXXX
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, 15 USC 1681 e ( b ) 15 usc 1681 i ( 5 ) 15 usc 1692 c ( c ). Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX  XXXXXXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX 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.

15 USC 1681 e ( b ) 15 usc 1681 i ( 5 ) 15 usc 1692 c ( c ) Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the dealership about submitting several credit inquiries while only agreeing to one. 
1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IN XXXX on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had with XXXX. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that XXXX reported negatively against my credit report, which, given my payment history, I believe to be erroneous. 

To further complicate matters, XXXX delayed in closing my lease account by a month, even after I had paid the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my XXXX XXXX, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by XXXX has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial.

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history.

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit higlighting significant issues with the platform. Despite hsing Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

Company was asked to validate debt. Knowing this would be impossible due to the fact that debt was opened while I was XXXX XXXX XXXX. Debt was fraudulently opened by parent yet company refused to look into debt even when provided with information. Attached is debt and day it was opened as well as XXXX  showing I was still a XXXX XXXX XXXX jobless. With no way of opening a credit card of any form
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following items are in violation of my rights. 

XXXX XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX  - Account Number 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 furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX  XXXX opened XX/XX/2022 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 This account is not mines
Product: Debt collection

I was contacted by IQ Data International about a fee due. I gave them payment information to settle the fee of XXXX. The representative that I spoke with said they were located in Washington state. I asked for a confirmation email stating how much I owed. The address in the confirmation letter, when googled, is not the address to IQ Data International. After I spoke with the attorney general in Washington they said that the company does exist but they are not licensed. The company has tried to take the money 8 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have filed a dispute with Equifax. I am afraid this company is too large to actually do a thorough and fair investigation. Credit reporting bureaus like Equifax claim they are here to help consumers with their credit reports by offering various services, while the company has proven to exploit our information to hackers and do lack luster investigations that seem biased in favor of the debt collector. 

I have filed a claim with Equifax over an auto loan with XXXX from XXXX. The problem with this auto loan is that I got behind on my payments due to multiple set backs. The first set back in which XXXX XXXX was fully aware of was be being wrongly terminated and actively engaged in a discrimination lawsuit against a previous employer. 

Then Hurricane Harvey hit XXXX, Texas in XXXX affecting my residence and vehicle. FEMA inspector determined my vehicle to have damage, and scheduled an appointment with a mechanic to estimate repair costs. Although I made XXXX aware of this, they still chose to reposess the vehicle before the 90 period that they claimed we had before a vehicle was reposessed. What type of company would prey on a Natural Disaster Victim and Discrimination Victim. 

XXXX  removed XXXX from my credit report after their investigation. But after 3 attempts to dispute it on Equifax they have yet to remove it and refuse to acknowledge XXXX  investigation making their investigation negligent. 

Equifax caused all my data to be breached after i trusted their services, and yet they cant even give me an honest removal of XXXX from my credit report. I am eventually going to seek legal guidance if this isnt resolved. This crooked scam system they have going needs to be thoroughly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

As required by law, XXXX is to fully investigate disputes and provide proof of their investigation method. This has been requested on multiple occasions. On XX/XX/2022, XXXX " verified '' the alleged debt with Navy Federal Credit Union. The debt with NFCU is listed as " charge off '' but NFCU has failed to EVER provide me with a 1099 for that charge-off and is therefore in violation of federal law by " verifying the debt '' and XXXX is in violation of federal law by " verifying the debt '' or not completing the investigation in full as required. 

I demand that the NFCU alleged debt account be removed permanently from my credit report.
Product: Credit reporting or other personal consumer reports

There is an address I saw on my credit report I never live at this address before XXXXXXXX XXXX XXXX XXXX XXXXXXXX ga XXXX