23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

P & B LLC has been calling and texting my phone number after asking them to stop several times. They use several numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX when texting and the message wants me to call XXXX. I have responded to their text messages with STOP several times. At this point its just harassment. I am not associated with XXXX XXXX who they keep calling for and have never met the person. The guy who calls is very rude. stating I must be some kind of XXXX XXXX  because I told him the frequent calls and text were not legal after asking them to stop.
Product: Debt collection

I have asked Navient, who manages one of my student loans to discontinue calling me on at least 5 occasions and told them to make all communications in writing via US mail or email only. I am in the process of trying to get a foreberance approved, which I have run into several issues with paperwork and their lack of customer service is deplorable causing the issue to not be resolved still. I have also submitted an email request twice they refrain from harassing phone calls and they still have not listed to me.
Product: Credit reporting or other personal consumer reports

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.

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 inquiries 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 inquiries 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 accounts 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 Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX  Date open______XXXX___________ Account XXXX Reason for dispute IDENTITY THEFT Account XXXX Account Name XXXX XXXX XXXX Reason for dispute_ IDENTITY XXXX Account XXXX Account Name nelnet Date XXXX Account XXXX Reason for dispute__IDENTITY__THEFT__ Account XXXX Account Name_sequium asset Date XXXX Account XXXX Reason for dispute__IDENTITY THEFT_______________ Account XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have had XXXX recently which has relieved some of the pain where I can focus and start to get my life back and in order. I contacted Wells Fargo on XX/XX/18 in regards to a charge I noticed coming out of my account. The representative went over and traced how far back the transactions went. I advised her that I never authorized nor did I use the services above the free service they offered and never had to pay for anything nor have I used that company in over a year. I was charged for services over a year and was reimbursed only 2 months of charges they shut my card down and all to only refund me 2 months when I never authorized these fees to be taken out so its fraud charges. She asked why am I barley calling I advised her of my medical issues the last 2 years and I assumed it was my XXXX or XXXX feed because it was such a low amount. I didnt go over my statements as I should have due to the fact of me being on heavy pain meds due to my medical issues I have had. I wasnt able to function properly due to the XXXX XXXX. I had a very rough last couple years but I assumed it was those charges only to find out it wasnt. The charges were fraud and to only be reimbursed for 2 months is literally against what Wells Fargo should do when its fraud charges to a customers account no matter what. Im highly upset and disappointed that they are fdic insured but yet I have fraud charges to my account and due to me not noticing that the charges were fraud sooner I only get 2 months back I will not accept that.
Product: Debt collection

Received a call from ( XXXX ) XXXX and voicemail left at approx XXXX XX/XX/year> from Exeter Finance XXXX I do not owe this company money. I have not borrowed money for a car loan. I recently filed a complaint on this CFPB website against the same company for the same problem. 

I must share the same name as a customer that does owe Exeter Finance money because this would be the third time Exeter has contacted me. I have spoken with them three different times on the phone and filed the previous complaint yet they called me again. I do not know what it will take to make this calling stop but I do wish to pursue it, be it a fine or whatever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for these companies to provide me with Identifying the person who had these accounts under my name. I have asked for proof of debt over five months ago and have yet to receive proof nor a response.
Product: Credit reporting or other personal consumer reports

I Have XXXX Hard Inquiries On My Credit Report That Were Placed There Fraudulently.
Product: Checking or savings account

On XX/XX/XXXX a scammer with the help of Wells Fargo accessed my business account and wired XXXX out of it. Wells Fargo knew minutes after that my account was compromised and never stopped the fraudulent wires from leaving on a Friday afternoon on a holiday weekend. I notified fraud less than XXXX XXXX later that the wires were fraudulent but nothing was done. Tuesday after the holiday I learn that the wires were never added to the fraud claim. My claim was denied because they said I gave my info out which is part true because while Wells Fargo was calling me that day so was the scammer with the a Wells Fargo number. The scammer already knew everything I only aided in giving the sms code. Either way they knew or should have known there was some seriously unusual activity on my account and they had time to claw back the wires. Dealing with the fraud dept is a literal nightmare. I have filed XXXX complaints through the branch that were never answered. Wells Fargo did absolutely nothing to stop the money from leaving and are telling me to deal with it. I see this same story over and over again when searching the internet. XXXX a XXXX man business and that XXXX is crushing to me. The fact scammers can call using a actual bank numbers is insane. If Wells Fargo had to pay all these claims I bet spoof apps would not be allowed to use bank numbers.
Product: Checking or savings account

XXXX XXXXXXXX XXXX charged my card the deposit of {$150.00} on XXXX XXXX XXXX then when I return the truck the same night there's a charge for {$190.00} and change from XXXX XXXX XXXX  and now I can not seem to get anybody to release the deposit money back into my account. The bank is denying their issue because they say their policy is XXXX days for a car rental but I've never had this issue before with any other vehicle I've rented and now try missing that they can not do anything until XXXX releases the funds so I have XXXX saying they can't do anything and the other XXXX saying they don't know what I'm talking about and I'm getting the runaround
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. 

( acct ) XXXX XXXXccount number XXXX 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 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 am a victim of a scam from Bank of America and I want all funds returned back to me.
Product: Credit reporting or other personal consumer reports

This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile and noticed inquiries or collection that I have NOT given written instruction to 3rd party to report to my file. According to The FCRA this is in violation of 15 USC 1681b - PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT. I AM DEMANDING THESE ACCOUNT BE REMOVED IN 2 BUSINESS DAYS. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed.

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation.

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety.

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal.

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately.

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution.

If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed account 's that where not reporting accurately. I had multiple late payments for account XXXX and XXXX late payment for account XXXX i was in fact paid on time for both of these accounts. The consumer reporting agencies have to report all information with complete accuracy. These accounts have not been late on payments i have attached a copy of my report and proof of their investigation with no statement no copies from creditor showing validation of me being late to this complaint. On XX/XX/2024 I disputed these accounts with no proper investigation when results came back just updated as verified, Experian under FCRA section 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ) are in violation and can face major penalty. I'm now requesting you to investigate and provide verifiable proof with records i had late payments for both accounts. If this information can not be validated i demand these payments be updated to paid on time or these accounts be deleted from my credit file immediately, thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my personal credit report from your organization and discovered that an unauthorized inquiry has been made. I then mailed a letter to the credit bureaus requesting the information on my credit report be investigated and removed if found to be valid. None were removed and I was not sent back the how too 's of what was used to investigate my request.
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 U.S.C 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 or other personal consumer reports

I am a victim of identity theft and someone stole and used my personal information to obtain these fraudulent accounts in my name without my permission. I did not benefit from any goods or services of these fraudulent accounts. 

I am requesting for Transunion to block and remove these fraudulent accounts within four days of receiving my FTC Report and Police Report or legal actions will be taken against your company. 


XXXX. XXXX XXXX Balance {$840.00} XXXX. XXXXXXXX XXXX Balance : {$8600.00} 3. XXXX Balance {$4800.00} XXXX. XXXX XXXX XXXXXXXX Balance {$500.00} XXXX. XXXX XXXX Balance {$2700.00} XXXX. XXXX XXXX Balance XXXX {$15000.00} 7. XXXX XXXX Balance XXXX {$16000.00} The following inquiries need to be deleted and removed immediately due identity theft XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Earlier this year I applied for the XXXX capital one card for the bonus miles and travel benefits it included. I never received the bonus miles and when I called to ask, they said I was approved for a XXXX XXXX card not the normal XXXX and this card doesnt include bonus miles or the credit for global entry application. I feel like this was very misleading as I didnt apply for a XXXX XXXX card and would not have accepted it and used it had I known it wasnt what was advertised.
Product: Checking or savings account

I had a refund of XXXX from IRS and I didn't receive the money it was taken
Product: Vehicle loan or lease

Credit concepts is ripping off subprime consumers. I purchased the vehicle at $ XXXX, put down $ XXXX and made monthly payments of {$300.00} for two years then they garnished my wages of $ XXXX-XXXX biweekly and how do i still owe more than the original loan amount? They are still reporting it to my credit report. So where did all the money I paid into this loan go? They are just adding ridicolous fees on top of fees. And never no explanation. Theres no way I've paid all this money into this loan and the balance hasnt even moved or decreased. If this were to happen to one of them they would understand and would be arguing this matter too. I am not getting treated fairly and its been since I advised them I was a DV victim and now I am being discriminated and charged. I have a coworker who is behind on her credit concepts loan for 7 months and she still has her they never call or even try to repo her car.
Product: Credit card or prepaid card

In my attempt to assist me in rebuilding my credit, I acquired a Secured Credit card from DISCOVER. 
I gave them XXXX for my credit line and have used it since it opened some months ago. 

I recently made a XXXX Payment and my available credit showed- {$6.00} When I called the company they stated they are sending me an IRS form XXXX to review my income. 

This is a Secured Card using my own funds to charge against in order to build my credit Why they are suspending charging privileges contingent on my transcripts is beyond me.
Product: Checking or savings account

Booked my vacation through XXXX on XXXX to travel to the XXXX on XX/XX/20. Paid {$3000.00} with my Arvest debit card. 

Got an email from XXXX saying all trips are canceled due to covid and to talk toy bank about refund options on XX/XX/20. My itenerary was updated and showed a refund of {$1700.00} but I got nothing. 

I have contacted Arvest to dispute twice. The first time they took my info and two weeks later sent a letter saying noting could be done. Second time I called to escalate it and they said they couldnt do anything. XXXX isnt answering calls or accepting info, they ha e layed off their entire workforce and are supposedly closing. 

I joined a XXXX group called scammed by XXXX and tons of people have gotten refunds From their credit card companies and banks. 

Please help if its at all possible
Product: Checking or savings account

Wells Fargo refused to accept a Certificate of Trust related to the XXXX XXXX XXXX, even though the form was provided by their institution and properly executed by me, the trustor. The only distinction was the inclusion of a non-transferable stamp as a protective measure. 

This does not alter or invalidate the content of the document under any applicable law or policy. The refusal appears arbitrary and constitutes interference with my right to administer my trust.

I requested written explanation or supporting policy, but was denied. Im requesting the CFPB intervene and direct Wells Fargo to accept the executed document or provide legal basis for refusal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the bureaus as XXXX to have this delete from my credit report because the debt was paid in full and it was not paid to XXXX but to the collection agency. I have sent a copy of this letter to XXXX on numerous occasions since I received the letter from the collection agency. The collection agency stated that they sent everything to XXXX once it was paid and they are still denying that they received anything. They are not trying to remove a debt that I do not owe and with it still being on my credit report as a negative mark is stopping me from being able to move on with my positive credit journey.
Product: Debt collection

I have mailed a letter to the collection agency via certified mail asking for validation of the debt they say I owe to them of {$220.00}. I mailed the letter on XX/XX/2024 and have not received any correspondence for the debt collector or the original contract bearing my wet ink signature. However the debt collector update for the month a XXXX that I was past due while in dispute.
Product: Money transfer, virtual currency, or money service

Fraud business notary agent scam stolen documents forged false documents and signatures with out my approval or knowledge