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

I am writing to dispute fraudulent items on my credit report. This account listed on my credit profile are account that I never agreed to nor do I owe. I reported this to the Federal Trade Commission and also filed an Affidavit to this complaint. This company is in violation of my HIPAA Privacy Rights and they are also violating my rights as a consumer. Please be advised that this UNVERIFIED item remain on my credit report. I have yet to receive original documents pertaining to the information that this company is disclosing on my credit profile. Im supposed to receive documents from original creditor to verify that the information is mines and also correct, which is required by law. Since I have yet to receive such documentation from the original creditor please delete item as soon as possible. 


XXXX XXXX XXXX XXXX XXXX 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

This letter is a formal complaint of inaccurate and incomplete credit information on my credit report.I am distressed that you included the following in my credit profile : -incorrect name -incorrect address -incorrect telephone -errors -unauthorized inquiries -Errors of hard inquiries
Product: Credit card

I have filed a identity theft report, about Capital One issuing XXXX credit cards on my credit profile, which i did not authorized on XX/XX/year>. I would like for Capital one to remove these immediately. Otherwise i will go through the legal system and sue for defamation of character, damages done for my quality of life, and all other damages permitted by law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX changed mortgage servicing companies from XXXX to Dovenmuehle Mortgage. In this transfer/change my account number for my Mortgage also changed. Since XX/XX/XXXX, Dovenmuehle Mortgage the payment processing company for my XXXX XXXX, has not reported this XXXX loan to the three major credit reporting agencies of XXXX, XXXX, and XXXX. 

Information regarding my XXXX XXXX as it currently reports to the 3 major bureaus is Closed/Transferred Acct #  XXXX on XX/XX/XXXX. Technically, this is correct. This account NUMBER was closed/transferred. However, what does NOT show on the reports and what has not been and currently not being reported is XXXX XXXX account XXXX, which is the account the old number was transferred TO. 

I have been receiving statements from XXXX account XXXX with correct balances, payment history, and have made on time current payments since XX/XX/XXXX. However, none of this account, it's existence, it's balances, it's payments history, are being reported to XXXX, XXXX, or XXXX. 

I have filed credit disputes with these three bureaus, however they can not dispute an account that in their systems, does not exist. I have been " in complaint '' of this error to XXXX beginning XX/XX/XXXX when I discovered the errors. XXXX instructed me to direct my concern to " XXXX '' with my details. This department does not allow direct customer contact and forces me to have to speak with a general customer service rep at the XXXX number. These general service reps do not have the ability to speak to the department handling my case. They also insist that they are IN FACT reporting my loan to all three credit bureaus. They are not resolving my issue and there seems to be no one to work with there. 

XXXX 's new mortgage loan processor, Devenmuehle Mortgage, is IN FACT NOT reporting to XXXX, XXXX, or XXXX the loan activity and balances on XXXX XXXX   loan XXXX for myself.
Product: Checking or savings account

I have a checking, which my direct deposit goes into, a savings, and a secured card holding {$3000.00} of MY money. Right now, I have {$9000.00} in the accounts. 

I am getting married, and I was purchasing XXXX gift cards for my wedding party, and had to go to several shops, as they control how many they send you. I used my ATM card and pin number, plus showed my driver 's license at each store. 

On XXXX, the XXXX of XXXX, Chime froze all accounts, and would not let me log in. It said my account had been suspended. I called them and they " escalated '' the issue, which did no good other than add 2 additional days to the problem being fixed. They wanted a copy of my driver 's license, and they said my birthdate had been CHANGED by a CHIME employee on that XXXX  at XXXX XXXX. My license used 2 years ago has the same birthdate as the new one I just got, as my birthday is XX/XX/1956. I sent 7 pieces of documentation, and waited the 2 days. Nothing. I called again, and they changed the REASON they suspended my account and then asked for a selfie of me holding my license and the back of my license. I provided all of this. Nothing. I'm going to have my internet and phone services disconnected because I can't pay my bills. 

It has since been over 6 days, and NOW, today, they said my selfie was too " shiny '' and they needed a new one. But if I had not called IN, I would never have known this. 

They are playing games for the interest on my accounts, and I want my funds able to be withdrawn immediately. I do not want the account closed until I can get another way to access my direct deposit ( they take up to 2 months. )
Product: Checking or savings account

I am filing this complaint regarding Wells Fargos handling of funds exempt under federal law from garnishment, specifically my Social Security Retirement benefits. Despite notifying Wells Fargo multiple times about the exempt status of these funds, they failed to act appropriately, resulting in the improper garnishment of {$1500.00}. 


Timeline of Events : XX/XX/XXXX : My Social Security check was credited to my account as an early deposit. 
XX/XX/XXXX : I contacted Wells Fargo by phone and spoke with a representative named XXXX  to notify them that the funds in my account were Social Security Retirement benefits and exempt from garnishment under federal law. At the time of my call, both the Social Security deposit and the legal garnishment order were showing as pending transactions. I made this call specifically to ensure the exempt status of these funds was recognized before the garnishment was processed. XXXX assured me that someone would follow up within XXXX hours, but no one contacted me. 
XX/XX/XXXX : I called again, escalated the matter to a supervisor, and reiterated the exempt status of my funds. Again, no resolution was provided. 
XX/XX/XXXX : I sent a formal letter to XXXX XXXX XXXX and Levies Department documenting the exempt status of the funds and detailing my prior communications. 
XX/XX/XXXX : Wells Fargo reversed {$1400.00} of garnished funds from my XXXX Social Security deposit but has refused to release the remaining {$100.00} or address the {$50.00} taken from my savings account on XX/XX/XXXX, which was also sourced from exempt funds. 


Issues with Wells Fargos Actions : Wells Fargo disregarded my verbal and written notifications of exempt funds. 
They processed garnishments on exempt Social Security funds, in violation of federal protections. 
Their response has been dismissive, suggesting I contact the receiver, XXXX XXXX, despite my repeated attempts to resolve the matter directly with him.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX Dear TransUnion I am disputing the account ( XXXX ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : Address, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX LA XXXX XXXX CA XXXX : Account number : Address, -. This address is not correct. Delete it immediately from my report. 



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

I am stating that I have not received any communication from the debt collector regarding the alleged debt. Their failure to contact me directly has caused confusion and concern. I request a thorough investigation to verify the debt 's legitimacy and protect my consumer rights. I urge the debt collector to adhere to relevant regulations and demonstrate due diligence before taking further actions. I seek a fair resolution that allows me to address any valid concerns and upholds my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage and extreme disappointment regarding the recent data breach that compromised my personal information due to your companys negligence. It is absolutely unacceptable that an organization entrusted with safeguarding sensitive data has failed so miserably in its responsibilities. The breach of my personal information is not only an invasion of my privacy but also a serious security risk that could have lasting consequences. 

Your failure to implement and maintain adequate security measures has placed me and countless others in jeopardy. Because of this breach, my personal and financial security are now at risk, and I demand immediate action to rectify this gross violation of trust. 

As a victim of your incompetence, I expect the following actions to be taken without delay : A Full Explanation I demand a detailed account of how and why this breach occurred, including when you became aware of it and why your security measures failed to protect my information. 

Compensation for Damages If I suffer any financial losses, identity theft, or other consequences as a result of your data breach, I will hold your company fully liable and pursue all available legal remedies. 

Immediate Security Improvements I expect immediate action to ensure that no further breaches occur, including specific details on how you plan to improve your security infrastructure. 

Credit Monitoring and Identity Protection As a direct consequence of your failure, I demand that you provide me with at least 5 years of credit monitoring and identity theft protection services at no cost to me. 

Your companys failure to safeguard my personal information has caused unnecessary stress and concern, and I will not tolerate inaction or half-hearted responses. If I do not receive a satisfactory resolution to this matter within 14 days I will escalate my complaint to regulatory authorities, consider legal action, and publicly expose your companys negligence. 

I expect an immediate response addressing my concerns in full. Do not underestimate the seriousness of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer and sentient original creditor have never provided approval for any of my information to be shared with any third parties. Experian has wilfully neglected to abide by the Fair Debt Collection Practices Act. Stated in USC 1681 FDCPA : the entire banking system is dependent on an accurate credit report. I never gave Experian any permission to furnish or report anything to the consumer report associated with XXXX and is in violation of USC 1681 ( c ). My identity was stolen by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. For years, I have been battling with getting the information off of the credit records by providing the police reports which has caused me to lose my home, many business opportunities and my XXXX  baby.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two car dealerships that were not authorized to run my credit, I have the letters from the car dealerships and sent them to ALLY financial, I have heard nothing from them and every time I try to send a letter it gets returned. 

XXXX AND XXXX did not have authorization to run my credit through ALLY financial, ALLY Financial needs to delete ALL hard inquiries off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX has been closed since XXXX so why am I still getting late payment for the year XXXX and XXXX. The account has been closed. The company also credit my credit report every month with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 permission instructions.

15 U.S.C 1681 C. ( 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 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: Vehicle loan or lease

I made a payment of XXXX to go toward my principle of my vehicle. My car has high interest rate 22 %. I called and made payment of the XXXX and they only applied XXXX toward principle and paid my car note up two months. I specifically told the manger to apply to principle. Now I am calling everyday trying to get them to apply my XXXX to my principle of my vehicle, and they will not adjust my account or apply the XXXX to principle. No response or action done over two weeks now. Everyday my account is cumulative XXXX dollars for interest.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle ( EARLY WARNING SERVICES , LLC ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle failed to take timely and effective measures to warn and address non reversal of transfers, leaving me uninformed and at risk. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Vehicle loan or lease

I noticed that my standard monthly payment to Audi Financial had not been withdrawn. Due to to my entire family having XXXX, I was not monitoring my bank account as much during the month of XXXX. I logged in and looked on XX/XX/XXXX and noticed it was not withdrawn. I had tried to manually process the payment on XX/XX/XXXX. Apparently it was rejected by my bank. Not sure if the account number was wrong or what but my account has plenty of funds. 

On XX/XX/XXXX Audi posted a letter in my " MyAudi '' account which I have no reason to ever check. This letter stated my payment was returned. My payment was due on XX/XX/XXXX. No phone call from Audi saying your payment is about to be 30 days late. No contact. No email to my personal email address which I always check. No phone call to let me know there was an issue. They mailed me a letter which was received after the XX/XX/XXXX due date. 

It took them about 24 hours to report my account as 30 days past due to the Credit Bureaus. All 3 of them. I have emailed Audi, sent letters to the CEO, and sent letters to dispute this information. 

If a company is going to be allowed to do this during XXXX pandemic for a customer who has made every payment on time to Audi over the last 3-years that is despicable. They have an obligation to pick up the phone and call me IMMEDIATELY when they see the payment returned.

I have subsequently again processed the payment due. I have never missed a payment 30 days late in over 20 years of having credit. When I have tried to process the payment I think Audi 's system is changing my account number to my bank routing number and that is why it appears the payment was rejected. Whether this is Audi 's system mistake or my input mistake one will never know. But, the truth is Audi should have immediately picked up the phone and called me either way on XX/XX/XXXX when the payment was rejected. The error could have been rectified prior to the XX/XX/XXXX date when the payment became 30 days late. They should have also shown more care for a family dealing with the XXXX pandemic and inflicted with the virus. 

Audi needs to correct this issue immediately.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and do not have a contract with Monterey Financial Services or Monterey Collection Services. They did not provide me with the original contract as I requested and also this account is in violation of my consumer rights. 

In accordance with the FCRA ( Fair Credit Reporting Act ) 15 USC 1681 Section 602a, states I have a right to accuracy and privacy.

15 USC 1681 Section 604a ( 2 ) - Also states that a consumer reporting agency can not furnish an account to be reported without my written permission.
Product: Prepaid card

I got XXXXXXXX XXXX worth of American Express gift cards from my work and I cant even use them anywhere! What is the point! What a scam of a company.
Product: Credit card

This that capital one credit card is not mine that was actually someone stealing my identity also the XXXX XXXX associates for XXXX XXXX whatever in XXXX that 's not mine either and there is also something right after that for some XXXX or something also in XXXX Louisiana that 's not mine either so those need to be removed we were hoping some kids get off the street and get back into the workforce and I was a victim of identity theft
Product: Checking or savings account

For the second time in a few months, our HSA account has been the subject of massive fraud resulting in thousands of dollars being withdrawn at ATMs using our debit card. We do not keep this card with us and it is only kept in a secured safe. This card has never been used or kept in any other location and Optum still has issues with it being used and swiped somehow. Now, when trying to contact their fraud department, we get transferred aliens and get nothing but technical errors when we get on the phone. They are experience some kind of internal breach and need to make users aware that there is an issue. I can not think of any way this keeps happening unless their systems are compromised.