23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : WF XXXX Amount of Transaction : XXXX I have disputed this charge TWICE now with Wells Fargo, and after six months, nothing at all has been done yet. The first time I disputed the charge, Wells Fargo closed the dispute without telling me anything about it at all. I asked them why they closed it, and they tried to tell me they sent me an email requesting more information. This was a lie. Anytime they send me an email, it goes to my online account, and there was no record of them sending me an email. When I asked them to show me this email, they couldn't do so. I re-opened the dispute about 2 months ago, but again, nothing at all has been done with the dispute. They've never once contacted me or the merchant for any information at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Transunion to challenge errors or not mine accounts multiples times with Sign and return receipts ( see attachments ) and multiple times they claim to have verified without sending me actually contracts with my signature, or anything. I even sent letter to XXXX XXXX XXXX ( OR XXXX XXXX XXXX XXXXXXXX XXXX ) asking to validate or proof these account to be mine. and they failed to even respond multiple times. so have can TRANSUNION report these account to be mines? 
I'VE SENT LETTER ON THE FOLLOWING DATES : 1.XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX I WANT THE FOLLOWING DELETED FROM MY CREDIT REPORT : 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

On XX/XX/year> I received an alert that there was a change to my XXXX, XXXX and Equifax Credit Report. When I signed into each XXXX of my credit bureau online accounts I noticed that there was a report of XXXX accounts that were reporting without my permission. XXXX account is XXXX XXXX XXXX and another for XXXX. According to the Fair Credit Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. I did not give XXXX  Permission to report this on my credit profile and has attached the screenshot of the notification I received as well. I disputed the information however XXXX, XXXX and Equifax has failed to comply. Things affecting my ability to obtain sufficient and fair due process to credit because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX, Account Number:XXXX, XXXX XXXX, Account Number : XXXX, XXXX XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX Account XXXX XXXX XXXX, XXXX, Account Number : 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.
Product: Checking or savings account

I walked in Huntington at XXXX  XXXX XXXX asking for my funds that were available in the amount of XXXX. 
The lady teller they would be mailed within 10 business days & it is way past that and still nothing.

This is truly a theft issue as the funds have not been received. My account ended in XXXXXXXX XXXX XXXX XXXXXXXX routing of bank XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : In a recent review of my credit reports, I noticed an inquiry that I do not recognize and believe to be fraudulent or not related to a proper/authorized purpose. 

The inquiry in question specifically is as follows : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX : -- - Appears On Reports At : XXXX I would like the bank to provide proof that the inquiry was for a legitimate/authorized purpose as well as explicit evidence that is was requested by myself. Any documentation that they feel proves this, I would like to be sent to me directly via the CFPB 's complaint handling system for my review. 

If they are unable to prove that the inquiry was, in fact, for a legitimate business purpose and requested by myself, then I would like it to be removed immediately. 

Thank you. 
XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint regarding the handling of my account and payment arrangement with XXXX XXXX, specifically related to the lack of written communication and ongoing difficulties in obtaining verification of payment terms. 

On XX/XX/year>, I went directly to XXXX XXXX 's website to accept a settlement of {$7000.00}. Upon logging into my account, I noticed it was closed and this is where I obtained Aldridge Pite Haan 's contact information. On XX/XX/year>, I contacted XXXX  regarding the closed XXXX XXXX account. I spoke with XXXX XXXX, who informed me that settlement was not an option, and I would be required to pay the full balance of {$13000.00}. The payment plan discussed was as follows : an initial payment of {$3600.00}, followed by $ XXXX  monthly payments for XXXX  months, starting on the XXXX of each month. 

During that call, I requested that this information be provided to me in writing. XXXX advised that mail delivery would take too long and suggested email correspondence instead to reduce the further processing of a warrant/garnishing of wages. I provided my consent for XXXX  to send the written agreement and validation of the debt to my email address. " I, ( my name ), give XXXX  Permission to email me at XXXX concerning XXXX File # ''. XXXX confirmed that I would receive this information within XXXX days. 

As of today, I have yet to receive any written confirmation. On XX/XX/year>, I contacted XXXX again, and he stated that the email was still pending in the queue to be sent by the account team. I followed up again on XX/XX/year>, via email, but have received no response. Additionally, there was an address discrepancy on my account that was updated during our initial conversation on XXXX XXXX, 2024, which may explain why I had not received prior notices. However, I have continued to receive other forwarded mail from my old address. 

I have made repeated attempts to contact XXXX  by phone, but it has been extremely difficult to reach anyone for assistance. I am willing and prepared to resolve this debt over time, but I need written confirmation of the amount owed and payment terms before proceeding. Verbal agreements are not sufficient, and the lack of follow-up is causing significant delays and the possibility of garnishing wages. 

I request that XXXX  provide the agreed-upon payment terms and validation of the debt in writing immediately. Failure to provide this documentation in a timely manner raises concerns about the lack of professionalism, organization and personal involvement with my wages.
Product: Debt collection

This company has been calling every day multiple times a day from different numbers for months. Sometimes back to back. It is excessive, and has become extremely disruptive.
Product: Payday loan, title loan, or personal loan

Due to the Hurricane Harvey damages and FEMA denied my application for assistance, I needed to get the remainder of the repairs done. I'd depleted my savings and repairs were really needed to live in the home. So on XX/XX/, I went into the XXXX XXXX XXXX location completed the Title loan application and she had me to sign the documents. The strange thing I was told they could not give me the funds at their location and needed to go to the XXXX XXXX XXXX location to pick up the funds. So they faxed my application and a copy of my vehicle title to the other location. The representative gave me a check for {$1500.00} and told me my 1st payment would be due XX/XX/. The Hurricane damages, no savings and one check coming after 2 -3 months caused a financial hardship. I decided to do a Debt Consolidation in which they wanted to pay off the Lone Star Title Loans. We called XXXX XXXX to let them know we were paying off the Title Loan but the company was paying with a check from XXXX XXXX. We told the paying company knew they do not accept their checks and I was floored. My loan proceeds for paying off other creditors would be processed after the payoff of the XXXX XXXX XXXX XXXX. I don't understand why they would not accept the payment from another financial institution. Now I can not get the loan.
Product: Checking or savings account

My checking account was debited XXXX for XXXX on XXXX XXXX. I notified USAA immediately that a XXXX unauthorized debit was paid from my account to an unknown person and that I use XXXX not XXXX if I want to transfer money. I explained that I have been in XXXX since XX/XX/year>. I filed a dispute and explained this was a fraudulent transaction. I was never contacted during the investigation. No one ever asked for any information from me. The dispute was closed and the provisional credit was reversed. This resulted in an overdraft for a widow and retired teacher on a fixed income. There was no thorough investigation done as I have no idea who this {$1000.00}. went to.
Product: Credit reporting or other personal consumer reports

Ive submitted certified disputes regarding unauthorized account investigations including supporting documents including the cfpb complaints and FTC Report accounts still reporting requested for deletion of account now monetary request for violations and illegal reporting and misleading XXXX  disputes and certified request XX/XX/XXXX XX/XX/XXXX In violation of consumer laws 15 U.S. Code 1692e - False or misleading representations R 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor.

US Code 1681 e ( b ) collections must be XXXX XXXX  accurate across all 3 bureaus XXXX XXXX : Violation of 15 usc 1635 right of recission
Product: Checking or savings account

I used my Chime debit card to secure a reservation for a hotel stay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I assumed after checkout, I would be refunded the {$100.00} pending deposit amount within a few days. Instead, I was surprised with a {$530.00} charge which took my checking account into overdrawn status. I did not authorize any charges to be made on the room, and I'm fairly certain that the other guest, XXXX XXXX, was the culprit of the mystery charges on the hotel room. I am certain that the security video footage at the hotel would confirm these findings. 

After finding out about the {$530.00} charge, I disputed it through my debit card provider, Chime. They denied my claim saying that their finding showed no errors made. They're definitely was an air made because I did not authorize any of the charges other than the {$100.00} hold for the room which would be returned to me upon checkout. 

Now, they're saying there is no other steps I can take in order to appeal their decision. I need your help to make this right because now my account is overdrawn and I am stuck in XXXX XXXX. Thank you in advance and please do not hesitate to contact me if you need any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My x wife XXXX  me in XXXX. Her, or members of her family took out credit in my name without my knowledge or consent. I have made a good faith effort to attempt to resolve the matter with the creditors, and with the reporting agencies but with no success. I am working in XXXX, and this is effecting my XXXX XXXX 

The reports are totally wrong. I dispute these accounts reported falsely on : TransUnion XXXX XXXX These are the accounts that I dispute in full and must be removed. 

XXXX. Charged off XXXX XXXX XXXX opened XX/XX/XXXX without my knowledge or consent Not my account XXXX. These following closed accounts, none of them were opened by me and are not mine : XXXX XXXX XXXX Reported : XX/XX/XXXX {$1000.00} Closed XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX Finally, my address is also listed on the 3 Credit Bureaus incorrectly. I have asked them to remove my X wife address over and over, but they refuse. 

My only address, since XXXX, is the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please ask the three credit reporting companies to remove these XXXX addresses immediately, I have never lived at the below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are also 2 collection agency accounts that do not belong to me : XXXX XXXX XXXX Reported : XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1300.00} XXXX Please correct these terrible mistakes, 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, Account name : # 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. 

I respectfully request that you issue direction to these three companies XXXX. Transunion XXXX. XXXX XXXX. XXXX Please also remove the false history from the Attorney General Office for XXXX XXXX of Texas. I have NEVER missed a payment EVER on my child support. t Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In late XX/XX/XXXX I attended a one day seminar sponsored by XXXX XXXX XXXX based in XXXX, MA. The purpose was to introduce how to sell on XXXX and XXXX. There was a heavy sales pitch toward the end to purchase training DVD for {$990.00}. Then, another pitch to attend a 3 day seminar at a local hotel conference center. In XXXX, XXXX I attended the 3 day seminar held by XXXX XXXX based in XXXX, MA. The purpose of the seminar was to show and introduce how to sell on XXXX and XXXX and make a lot of money in more detail. On the 3rd day, a heavy sales pitch on purchasing what was called the XXXX XXXX which included lifetime support, telephone support, product forward/screening prior to shipping to XXXX XXXX and purchasing products to sale all for {$34000.00}. I.e., a pre-paid service. {$12000.00} of this amount was charged to my American Express Business Open account. The XXXX XXXX gave us a Top 500 list of wholesalers and suppliers. I noticed that the so-called 'Top 500 '' wholesalers list the Bowsers gave us were for the most part a dead end list because their " wholesale '' prices from these wholesalers were just too high to be profitable on XXXX . I spent untold hours crunching numbers and using all the tools they showed us and spreadsheets to the point that I was beginning to get suspicious. While these wholesalers were legitimate, they just did not have good prices according to the XXXX Sellers revenue calculator. So there went the Bowsers lie about looking for products is easy takes little time. Later this spring in XXXX, I learned that on XX/XX/XXXX, XXXX and XXXX XXXX XXXX of Washington State, filed a consumer protection lawsuit against XXXX XXXX XXXX of XXXX MA. In XXXX, XXXX, the Federal Trade Commission sued XXXX XXXX XXXX XXXX https : //www.ftc.govXXXX https : //www.ftc.govXXXX https : //www.ftc.govXXXX On XX/XX/XXXX, I contacted American Express and explain this and they refused to assist me. Another major credit card has refunded my money that I use to charge part of the other remaining {$34000.00}. 
Because of the lawsuit, I have lost all my promised prepaid services and support from XXXX XXXX XXXX.
Product: Vehicle loan or lease

This creditor sold the vehicle, which left me with an outstanding balance. A few weeks later I received a letter stating that I owe nothing towards this account. My new amount is {$0.00}.
Product: Payday loan, title loan, personal loan, or advance loan

This company is reporting this loan as a charge off with contiuous charges and fees added consistently, which is affecting my ability to get any forms of credit, home car, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card application from Chase bank was filed and submitted on XX/XX/2020. The application, which was Chase freedom credit card, had been pending for XXXX weeks without notification letter. Thus, I reapplied for the same card on XX/XX/2020, and my request was not approved the next day. And the letter supposed to be sent to my address within a few weeks, however, I have not received it till today XX/XX/2020. Meanwhile, my credit report received two inquiries for these two applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to ignore a consumer 's requests for the removal of the Fraudulent information being reported on my Credit report despite the past letters I have been sending them. This is my third endeavor to inform the Credit Bureaus 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im showing client name : XXXX XXXX XXXX ( Collection agency ) Dating back to XX/XX/2015 for the amount of {$740.00} This is not an account that I never had or was responsible for paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : US DEPT ED XXXX DEPTEDXX/XX/XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2022, someone took out a {$3200.00} personal loan in my name. I have never spoken with Prosper. I have no knowledge of this transaction. Prosper has not provided any proof that it was me who took out this loan. They have taken out 8 monthly payments of {$140.00} each. I have been in contact with Prosper since XXXX. From XXXX til XXXX, they said they would investigate and get back to me- it never happened. In XXXX, I tried to stop the payments through my bank. I had to close that account and start a different account. They have asked for identity theft paperwork and for it to be notarized. I have mailed it 3 times and emailed it once. 
Each time I call to check on the progress, they ask for more paperwork. I am currently waiting to pick up a police report. I will get the police report, driver 's license, and tax bill as proof of my residency notarized after I pick up the report and then mail it. 
Currently, Prosper is posting negative things about me on my credit report. 
Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXXXXXX collection on my credit that I never had and a XXXX inquiries on my credit and I never applied for a car both are keeping me from getting a job
Product: Credit reporting or other personal consumer reports

DELETE FRAUDULENT HARD INQUIRIES : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this creditor has been posting my payments la e but i religiously paid on time. i have the receipts to prove this. They even report this account twice, which is unfair..Please take off XXXX XXXX XXXX , XXXX XXXX XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have XXXX days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. I still have not received any updated credit report from your office. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX