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

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

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

This is a follow up to my complaint reference number : XXXX filed on XXXX XX/XX/2020 The bank, JP Chase Morgan, has not given me a definitive answer whether the beneficiary bank received the funds. As of XXXX XX/XX/2020, Chase emailed me saying that " they received the confirmation from the intermediary bank, so we know for sure that the beneficiary Bank has received the funds. As soon as we confirm that the funds were applied we will let you know ''. 
I spoke with the Chase agent on XXXX XX/XX/2020 requesting her for a copy of the XXXX report but up to now, she has not sent it yet. Also, I have not heard from her whether the funds have been applied as indicated in their email. 
This complaint is now on its third month without any resolution because Chase is not doing its best to have the funds transferred to the recipient bank. 
The Chase agent has just given me a run around about the complaint.
Product: Student loan

Filed for bankruptcy on XX/XX/2011. Item XXXX was my student loan. Held at the time by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX.Did not hear from anyone for over a year, then I am contacted, told I am over XXXX months behind on my loan, and a loan I took out for XXXX was now over {$40000.00}. I have been XXXX by these folks ( Now AES ), as they promised to come after me for my paychecks, messed with me regarding repayment restructuring, " sold ' my loan to AES, but it was the same company. But when they " sold '' my loan, they " misplaced ' my payment that month, ole company said they did not receive, they were lying, new company said they never received, so I was now behind, again, and owed more late fees, and can never catch up to get this loan paid down. 
They NEVER responded to the bankruptcy. 
They could have contacted my lawyer, or me, at anytime. They were sent all the information my other creditors got. They never responded. That year of not paying has put the loan out of reach of ever paying it off, despite paying over {$400.00} every month. 
Company is as crooked as XXXX. 
Also, no matter what the program is, I do not qualify for it for reasons I do not understand. XXXX pauses the loans for everyone? I do not qualify. Loan forgiveness for paying more then XXXX years? I do not qualify. It's just complete XXXX.
Product: Debt collection

After carefully reviewing my latest credit report, I've identified multiple accounts that I believe are inaccurately listed and were added without my consent.
Product: Checking or savings account

On XXXX XXXX I was a victim of a scam from my Wells Fargo credit card, savings and checking accounts. Wells Fargo XXXX refused to refund my losses of {$39000.00}. I have letters of false claims by the WF fraud department : They stated that " You successfully submitted a {$30000.00} transfer from my savings to my checking accounts on XX/XX/2021. I did not. 
They stated that " You successfully submitted a {$10000.00} cash advance in my credit card account on XXXX XXXX. I did not. The fraudster did both. 
In a letter to me dated XX/XX/2021 WF stated " On XXXX XXXX, there is a cash advance made for {$10000.00} but it was reversed and credited back to your account and we refunded the cash advance fee of {$500.00} from the {$10000.00} cash advance made. This never happened. This is also in a letter to me dated XX/XX/XXXX. 2021. 
The fraudster somehow got into my credit card and savings accounts to see if I had enough limit in my credit card account to order an illegal {$10000.00} cash advance and a {$30000.00} illegal transfer from my savings account, both to my checking account. Once he knew I had enough money in both accounts the scam began. 
Yes I ordered a {$39000.00} wire transfer to a bank in XXXX XXXX as ordered by the fraudster to get back my {$400.00} XXXX XXXX XXXX. The WF teller told my this would not be good until XX/XX/XXXX, XXXX was suspect of a scam and went back to the bank and told them to stop the transfer. They said they would let me know in 4-5 working days.

Also, I heard of a money scam in XXXX XXXX, California by a XXXX XXXXXXXX XXXX customer. Bank XXXX XXXX refunded all of the customers life savings from the scam. He was told to withdraw his full savings because XXXX XXXX XXXX was in trouble. He sent all of the money to a XXXX XXXX. It was not a XXXX XXXX it was the fraudster. This was an XXXX XXXX XXXX live report in XXXX XXXX seen by my daughter. Why can't Wells Fargo take care of my similar problem? 
The first two events that happened were : the fraudster somehow got into my WF bank to check on my funds and when he knew I had enough for the scam he did an unauthorized credit card cash advance for {$10000.00} and a savings account unauthorized transfer of {$30000.00}, both to my checking account. 

Thank you, XXXX XXXX
Product: Debt collection

This company is reporting as negative on my credit report when in fact this us a paid account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPT OF EDXXXX XXXX Balance : {$3300.00} ; DEPT OF EDXXXX XXXX Balance : {$11000.00}
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX.the first payment to new employee is always by western union as it takes up to 6 weeks to get them into the accounting and payroll cycle in ukraine.today I tried sending the customary {$500.00} to the new employee. When I went to XXXX here in XXXX to place with western union. They received an error message. Called western union who said and I quote there was a regulatory compliance issue.we asked what that issue was ... .they said they weren't required to give an answer. Now these people in XXXX dont have bank accounts. When they are paid its put on a Visa card. Western union on their app refuses to allow for these.transactions. to be taken on a debit card.i have to go cash a check and go to a western union agent ... .whenever I have called I get the same XXXX from western union that its regulatory compliance issue.when asked what's the issue their standard response is we dont have to answer that.
Product: Debt collection

Bureau of Account Management is attempting to collect a medical debt ( {$85.00} - XXXX 2015 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Bureau of Account Management fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.
Product: Debt collection

ECSI, a collection agency, reached out to me on behalf of an old debt to my XXXX XXXX XXXX In XX/XX/XXXX, I paid ECSI {$980.00}. The rep at the end of the call told me my account was paid in full and I would receive a letter in the mail stating as much. The letter I received from ECSI dated XX/XX/XXXX now has a past due balance of {$130.00}. I called ECSI at XXXX and they said I now owe a balance of {$250.00}. I do not understand how it is possible I owe additional money when I was told by their representative the balance had been paid in full in XXXX. I do not understand at all what they are even charging me for. I requested an itemized statement which I have not yet received. The ECSI rep indicated itemized statements could be obtained on their website at heartland.ecsi.net, however, I am unable to access. I graduated  from XXXX XXXX  in XXXX and have taken proper steps to remedy this debt, however, this company is trying to scam me out of even more money with no explanation! I would like for this company to provide an itemized statement, an explanation for how I was given a wrong total amount due in XXXX, and/or forgive the remaining balance down to zero. I would also like to note this company 's practices seem unethical as they do not make it clear they are a debt collection agency as required by the FDCPA. The representative insisted she was " XXXX XXXX '' even though XXXX XXXX verified they are a third party collection agency. They also sent a letter on XXXX XXXX XXXX letter head, which again, seems fishy. Please help, thank you.
Product: Credit reporting or other personal consumer reports

XXXX I am writing to formally dispute inaccurate and unverifiable information on my XXXX credit report, which violates the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of the following : Hard inquiries for which no credit or service was extended : XXXX  Basis for Dispute 1. Hard Inquiries Under the FCRA ( 604 ), consumer reporting agencies are permitted to include hard inquiries only if they meet a permissible purpose. Since these inquiries did not result in the extension of credit, they lack a legitimate basis to remain on my report. The Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action against XXXX underscores the need for compliance in verifying the legitimacy and purpose of information furnished on consumer reports.
Product: Credit reporting or other personal consumer reports

I sent a colored copy of my ID social my water bill and a written signed letter asking for all freezes, holds, locks, and alerts to be removed but myself or others still can't pull my report. When I even go online it says I don't have a profile. I also attached my ID and social and proof of address below. I sent things with tracking and when I called you guys said you received it but yet my account is still not fixed.
Product: Debt collection

Two 3rd parties, my mother and a close friend, have received text messages from Prime Reocvery LLC today XX/XX/2021 regarding a debt for XXXX. The text sent to my mother reads " XXXX XXXX This is Prime Recovery LLC please contact us regarding XXXX Go To www.primerecoveryllc.com to LIVE CHAT or Call XXXX use File # XXXX This is an attempt to collect a debt any information will be used for that purpose. Reply STOP to unsubscribe. '' The text sent to my other friend was not directly copied to me, but my friend said it mentioned calling them to resolve a debt and mentioned an amount of 2 payments of {$270.00}. Neither of these 3rd parties are me, or have ever been listed as contacts for me. My concern is contacting 3rd parties and the text clearing giving my personal debt status information out to that 3rd party in doing so. My own phone number has received no such texts.
Product: Checking or savings account

This is for the " bank '' Simple. they can be found at simple.com or on their mobile app. 

these message are only visible in the simple mobile app. it is locked down with DRM protection and i can't take screenshots. 

XX/XX/XXXX XXXX mail returned message message and locking of account with no warning XX/XX/XXXX XXXX note to bank requesting unblock of account since i am traveling and can't meet their ID demands of a selfie at my new home. 

XX/XX/XXXX XXXX bank refuses to acknowledge request and asks me to meet their demands XX/XX/XXXX XXXX note to bank asking how i can close my account XX/XX/XXXX XXXX bank states i can move money and transfer money out of the account and they will initiate the account closure XX/XX/XXXX XXXX note to bank requesting if i can move/transfer money while the account is blocked XX/XX/XXXX XXXX bank states " you can move funds via any tethered third party that is using your account and routing numbers! '' XX/XX/XXXX XXXX card returned message XX/XX/XXXX XXXX direct deposit missing XX/XX/XXXX XXXX bank claims the account is locked and the direct deposit will be returned to my employer XX/XX/XXXX XXXX thank you note from me to the bank XX/XX/XXXX XXXX acknowledgement from the bank XX/XX/XXXX XXXX note to bank asking why my transfer to a linked account was blocked, after they stated that I could move the money XX/XX/XXXX XXXX bank states i need to meet their demands for identification at my new address without acknowledging that the transfer was blocked despite their statement about being able to move money. 

XX/XX/XXXX XXXX note to bank asking them to read my message about traveling and being unable to meet their demands XX/XX/XXXX XXXX bank continues to ask that i meet their demands that that is the only way to resolve the issues. 

XX/XX/XXXX XXXX note to bank asking why they also blocked an external transfer via account/routing number was blocked. 

XX/XX/XXXX XXXX bank states that i have met their demands and my account is no longer blocked. Does not acknowledge the rejected transfer i asked about.
Product: Debt collection

I have submitted a dispute with all 3 credit bureaus as of XX/XX/2018. I  also requested proper verification of this account. From the documents MCM has sent, I do not recognize these accounts whatsoever. They have failed to send proper verification which includes a actual contract that it belongs to me.
Product: Prepaid card

Paypal closed my accounts and they 're refusing to send me a check with my leftover money in both of my accounts. I have about $ 1000+ in there and they 're depriving me of getting my money back after they took action and closed my accounts on their own accord.
Product: Credit reporting or other personal consumer reports

Im a XXXX XXXX XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). List of fraudulent accounts, 1. XXXX XXXX 2. XXXX auto XXXX 3. XXXX  XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX. Please block and delete all accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX while trying to get things in order i pulled my credit report and saw that someone had XXXX things in my name i went to the police deparment and i was told i need more information so i started doing doing this on my own this first company simple XXXX XXXX has me down for {$410.00} and this started on XX/XX/XXXX now i reached out to them after XXXX there name i dint have a account number and i spoke with the supervisor XXXX who looked into there system to tell me they have no one under my name at that date or time and that they have no record of any one name XXXX XXXX i was then told to reach out to there CORPORATE OFFICE ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I did call and was talk to very nasty by a XXXX and then they hung the phone up on me when tried to call back the recorded said they were close all i want is this resolve this account is not mine they cant find no recorded and i want it of my credit report
Product: Credit card

Sent multiple letters asking account to be closed. Paid off account before requesting but keep getting charged a monthly maintenance fee. Last request was made on XX/XX/year>, before that sometime in late XXXX or early XXXX. Have received emails asking if I want to close the account to respond YES, which I did to no avail. Even got on the chat line to request that the card be cancelled which didn't work either.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX. Account Number : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees dur to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I belive these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

this bill was paid by my insurance at the time of service we have a statement paid, about 2 t0 3 years later we received a letter from this collection company say 's I owe the bill because the insurance wanted the money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, Equifax & XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). These FTC ID Theft Reports and requests for validation and Methods Of Validation were received on XX/XX/2021, XX/XX/2021 & XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update this account : XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Student loan

I took out a school loan for {$9000.00} back in XX/XX/1994.I didn't pay it back on time.They then garnished my wages. I went through a good faith program were I paid x amount of money for a year and they lifted the garnishment I been paying faithfully for almost 20 years and now I owe {$33000.00}. I pay XXXX per month now. at the end of this year I will owe more then I owed at the beginning of this year .Something is so wrong with this picture please help me.
Product: Credit reporting or other personal consumer reports

This company continues to XXXX  computerized investigation of my disputes accounts that i requested to do a full verification and show me proof but this contine comtinue to violate my consumer rights under the FCRA laws. 15USC 1681b you are obligated to provide me with this information as long as it is requested for a permissible purpose under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that I do not recognize. This isn't my account. Please remove it. Thank you.
Product: Student loan

Loan servicer AES continues to call me by telephone from their telephone number ( XXXX ) XXXX. I notified them twice by letter that they can contact me only by USPS letter and by email. First notification on XX/XX/XXXX ( see attached ). Followup letter on XX/XX/XXXX after recent phone calls from them ( see attached ). They acknowledged my XX/XX/XXXX letter by email on XX/XX/XXXX ( see attached ). However they continue to call me from phone number ( XXXX ) XXXX. 
Calls received on : XXXX XXXX XXXX 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 am NOT in default with my loan.
Product: Money transfer, virtual currency, or money service

I get my unemployment sent to the company cash app. Around XX/XX/2020 deposit in my account at that time someone stole my phone I got a new phone and a new phone number I updated that new information on the cash app they allowed me to withdraw some money and then a locked my account it's been 36 hours in which they said 24 hours I would gain regain access well it's been 36 hours now and I have not regain access. I've emailed them dozens of times I've called the only number they have you can't  speak to a live person the only way to get ahold of these people is through email or through XXXX. I have not gotten a response last night XX/XX/XXXX my unemployment deposit another {$2400.00} so now I have XXXX some odd dollars on my account in which I can not access! I will be on the street if I today if I can't get any of this money I don't know what to do I will be homeless I really need my money! Like I said I emailed them I tried to reach out on XXXX I have not gotten a response yet.I don't know whether it was the weekend and XXXX XXXX day and which is just passed is the reason as to why they didn't get ahold of me I need to access my money I will be homeless tonight! My name is XXXX XXXX my phone number is XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and recognized unauthorized accounts and hard inquires on my credit report that I am certain I did not make Please provide all documents of the account that is on my credit report I never gave a written consent to report accounts that are identity theft. 
I have attached what is required to delete this account attached. 
FTC report Copy of ID and SS card.

Current Proof of Address