23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2018 I called Wells fargo Dealer Services to make a payment of {$140.00}. I was told by the representative that my account was in repossession phase and that they would not accept my payment. I asked to speak to a manager. I told him that I had made arrangement to pay on XX/XX/2018 but I was working and could not make it into a branch. 
He told me that Wells Fargo would not accept less than {$500.00} and it had to be iaid in 7 days ( He never specified weather he meant 7 business days or just 7 days ) On XX/XX/2018 my car was repossessed. I called into Wells fargo Office of the President and created a case on XX/XX/2018. I have been told on XX/XX/2018 that the person handling my case " isn't there '' so it had been passed on to someone else. I am losing money per my inability to travel to work now.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX NNOVIS XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable.

Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below and the items listed on FTC report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRY : XXXX
Product: Debt collection

I received a writ of garnishment from the payroll department of the job I have only been at for a month, The Collection Agency is Wakefield and Associates In the Writ of Garnishment is my full Social Security number and my entire date of Birth, the Creditor is XXXX XXXX, asking for {$1600.00}. I had XXXX XXXX as my Medical Insurance Company in XXXX but all premiums were taken out of my check and I never owed them any premiums. My Daughter had XXXX in XXXX when she was XXXX but what the insurance company did n't pay I paid. There is nothing owed to XXXX XXXX., a copy of the original court document says XXXX XXXX XXXX in XXXX XXXX Court but I have never been served any court papers by XXXX XXXX or Wakefield and Associates. I have absolutely no idea what this is for .Wakefield and Associates have never communicated with me either by phone or mail to allow me to respond to this, and dispute it they have just filed a garnishment on XXXX XXXX, XXXX. This needs to be immediately stopped
Product: Bank account or service

Capitol One paid a check from my account submitted by an individual as the payee and the signor. It is very apparent this check should never have been paid. The individual did not even attempt to forge my name on the signature line, the payee signed his name as if it was his account. When I notified the bank of the error, I was promised immediate resolution. After 2 weeks and 8 phone calls initiated by me, they will not refund my money unless I sign an Affidavit of Forgery in front of a Notary. They will not promise to reimburse the cost of the notary either. I should not have to consume my time to repeatedly follow up with the bank, only to be given false promises of resolution as well as contact from the customer service department that has not happened. Completing this document and having to get it notarized is not only inconvenient and time consuming, but should not be my burden to rectify the bank 's error. The lack of customer service from Capital One has been incredible. I WANT MY MONEY BACK, NOW!
Product: Student loan

On XXXX XXXX, 2022 I made a call to Nelnet regarding a received email that payment was needed on a Income Driven Repayment Plan. I spoke to a Nelnet rep. trainer, XXXX, on XXXX as I did not receive email with new IDRP request regarding loans. XXXX sent over via email with IDRP document request to update my account and information. 

I executed document and try to upload documents to Nelnet 's dashboard in my account. I was able to enter ID and password. I then went to the documents and upload documents drop-down box. I accessed my documents from my computer their " File to Upload '' chosen. I chose from " Document Type '' " IDRP Request '' An error message repeatedly came up blocking my ability to upload requested documents. 

I called Nelnet and spoke to XXXX representative. She could not assist me in the inability to upload detrimental documents that are being request and I willing to give. I told her that devices had been remotely accessed prior and I had to contact FBI. She stated that my web browser was blocking me from uploading docs. I then informed her the XXXX app uploading was downloaded from FBI site. She then informed me that was the problem and to go to a different browser and access a different site. I then informed her that I had no problems with XXXX and if I could speak to her manager or XXXX. She refused. I told her if she could not fix my problem, my honest effort was to report to CFPB. 
XXXX XXXX ( aka. XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital Once has cited technical issues, which may violate the Electronics Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 

Thank you
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Credit card or prepaid card

CLOSE MY ACCOUNT WITH DISCOVER SECURE CARD MADE A XXXX SECURE DEPOSIT NEVER USE THE CARD AND CANCEL IT NOW ITS BEEN A OVER A MONTH AND NOW THEY ARE TELLING ME ITS GOING TO TAKE ANOTHER MONTH BEFORE THEY SEEN MY MONEY BACK TO ME
Product: Credit card or prepaid card

Navy Federal is reporting a credit card account that I was an authorized user on. I removed myself from the account. However the account is showing on my credit report as a closed account reporting negative payment history and the account was terminated. 

I was no longer on the account as an authorized user once the account when negative. Also as an authorized user I am not financially obligated for the balance of this credit card. Therefor the account should not be able to cause harm to my personal credit file in the way that it has. 

On the grounds of the Fair Credit Reporting Act- If the creditor is reporting any inaccurate and incomplete information, the account must be removed. The account list as Responsibility : Terminated and Remarks : Account closed by consumer one account can not have both status. Either the account was closed by the consumer or terminated by the Financial institution. 

Please not there is not an account number provided on report. 

NAVY FEDERAL CR UN Last reported XX/XX/XXXX Reported balance : {$0.00} Credit limit : {$24000.00} You're using 0 % of your account 's limit OVERVIEW Credit limit : {$24000.00} Minimum monthly payment : {$0.00} Opened : XX/XX/XXXX ( 2 yrs, 7 mos ) PAYMENT HISTORY You've made 79 % of payments on time J F M A M J J A S O N D XXXX green_status XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status red_status red_status red_status XXXX green_status green_status Current red_status : Not current Last payment : XX/XX/XXXX Payment status : Current Amount past due : {$0.00} Worst payment status : 90-119 Days Late ACCOUNT DETAILS : Account status : Closed Type : Credit card Responsibility : Terminated Remarks : Account closed by consumer Times 30/60/90 days late : 1/1/1 Closed : XX/XX/XXXX 2017
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXX XXXX, opened on XX/XX/2022, with a balance of {$9300.00} and XXXX XXXX, opened XX/XX/2022 with a balance of {$7300.00}. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report. Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report. Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$12000.00}, {$2700.00}, {$4500.00}, {$2500.00}, {$7900.00}, {$0.00}, {$41000.00}, {$39000.00}, {$4000.00}, {$18000.00}, {$4900.00}, {$6100.00}, {$9900.00}. 
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 finance 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 Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$41000.00} -This is not my account. 

9.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- PERSONAL LOAN 11. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

13. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account.
Product: Debt collection

I recently received a copy of my credit report and after reviewing it I found a item on the report that are inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of the account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified item on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took out a credit builder loan account with XXXX. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. TransUnion and XXXX  had reported the loan as closed and paid in full. XXXX  had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with XXXX. XXXX had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

XXXX should had left the old account shown as closed and paid in full. XXXX should had reported a brand new account with the new information. These are two different loans with two different account numbers.
Product: Vehicle loan or lease

I am writing today in regards to my account with BMW Financial Services account # XXXX. I notice a late pay reporting in XX/XX/2020 and XX/XX/2020. This is during the declared pandemic by XXXX and Congress which the Cares Act was passed to assist anyone impacted during that time. I was greatly impacted at the time and was in the hospital and unable to make those payments. Once I was able to get my account up to date I made my payment immediately and have been on time since.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC everything on my consumer report has to be 100 % accurate. Having incorrect information can hurt my chances for upcoming approvals.
Product: Credit reporting or other personal consumer reports

I disputed accurate information with experience in regards to this account XXXX XXXX Experian stated the information was verified as accurate as the checking of my report, the information still obviously inaccurate on my Experian report. The account displays an open date of XX/XX/XXXX but this account was actually open XX/XX/XXXX. It should be falling off my credit report XX/XX/XXXX for the report shows the payment history begins XX/XX/XXXX, which is also inaccurate. This account is also charged off twice which means this is another blatant inaccuracy. An account can't be charged off reported as collection and then charged off again. This is a clear and accurate way that Experian allow to remain on my credit report. The account is not 100 % accurate so it has been inaccurate and should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I emailed XXXX  XXXX XXXX  regarding two accounts reporting incorrectly on my credit reports ( Transunion, XXXX, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX  responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. On Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file as I am a victim of a data breach. The accounts and inquiries listed below were made without my authorization. Under my rights pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed from my credit report.

Fraudulent Accounts : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$820.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the account listed below, which continues to appear on my credit report despite your previous investigation. I request an immediate reinvestigation of this item, as the inaccuracies are causing significant harm to my credit score. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, I request that you provide the names and business addresses of each individual who verified this account. This information is necessary for me to conduct further follow-up.

Additionally, please provide me with an updated copy of my credit report once the reinvestigation is complete. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I personally went to a Chase branch in XXXX, XXXX to open both a checking and savings account. I was treated wonderfully. I wrote out a check for both accounts to get them started. 
The checks cleared from my bank in 2 days. I went to the Chase account on line and was unable to open the account. I called and was told the account was closed and I would never be able to open an account with Chase in the future. 
I went back to the branch and talked with the officer who opened my account. She was surprised and called Chase.

She was told the same. She asked why, as did I. We were both told they could not disclose why. 
The money I deposited would be returned in 10-15 days.

I feel like a criminal!

I have a very good credit score. 
I am concerned there is some faulty information about me. However, I am being kept from an explanation. I need help. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as a proof of my identity and my Proof of Address.
Product: Debt collection

This company has contacted me on multipul occasions about a debt that I have no knowledge off. I have had no business dealings with this company and therefore do not owe a debit to this company. Upon checking my credit report, I noticed that this company has put this debt on my consumer report and it has caused major damage to my report and finacial credability.