23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was a victim of fraud through a phone call scam. The scammer asked me to send money through XXXX. After the money was sent, I realized that this was a scam and I called Wells Fargo immediately to inform them. I also filed a police report with the XXXX XXXX police department. I have filed a few claims with Wells Fargo since they are declining to refund the money to me. I also have a letter from the Attorney General stating that my situation was a fraudulent scam. Before I get lawyers involved and go to small claims court, I am submitting another complaint that includes actual verbiage from the EFTA as to why I am protected as the consumer and why Wells Fargo needs to refund the money in order to oblige by the FDIC and EFTA. Here are a few exerpts that I have copied and pasted regarding " unauthorized '' transactions and what that is defined as. There is an argument based on the plain language of Regulation E that since the consumer has " furnished the access device '' to the third party, the transaction may not qualify as an unauthorized EFT. However, the official interpretation of Regulation E provides the contrary answeran unauthorized EFT includes any transfer initiated by a person who obtained an access device through fraud, robbery, or force. My situation falls under fraud! Wells Fargo tried to also say that I could have called the sheriff 's department to verify the information that was being given to me. I said, " the phone call came from the police department and the person told me his name and I googled and it was in fact the name of a XXXX XXXX sheriff, so why would I call them if I think I am on the phone with them ''? Not to mention, it is actually illegal for Wells Fargo to say that I should have done something like that!! The CFPB made clear that a consumer is entitled to receive the liability protections of Regulation E, even if that consumer acted negligently. The EFTA is regulated and enforced by the Consumer Financial Protection Bureau ( CFPB ). This US government agency has made it clear that when scammers access accounts by fraud or robbery, the resulting transactions fall into the unauthorized category. The CFPA confirmed that the EFTA protects consumers who have been swindled and the Act requires investigation and reimbursement according to its terms. When a consumer is tricked or manipulated into allowing access to their account, all related transfers are considered unauthorized.
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. 


Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 states that 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 XXXX 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. 

15 U.S.C 1681b permissible purpose of consumer reports Section ( a ) states In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1681 s-2 ( a ) ( i ) Exclusions. states Except as provided in paragraph ( 3 ), the term consumer report does not include, subject to section 624, any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

I recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 
( Hard Inquiries are listed below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the item ( s ) be removed
Product: Checking or savings account

" My Experian smart money checking account has been temporarily suspended without updates for a month, leaving my funds inaccessible. Despite numerous attempts to seek assistance from customer service, I have received no concrete response. This lack of communication is unacceptable. I urgently require Experian to reinstate my account for fund retrieval.
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. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/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: Debt collection

Contacted me many time with my number but did just left a general message stating to please call RGS. They did not even mention who they are looking for.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX  -- {$3200.00}
Product: Credit reporting or other personal consumer reports

This is not a notice for investigation for inaccurate items on my report. This is a notice to remove and/or update excluded information from my report. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report pursuant to15 U.S. Code 1681a. As I examine my report, Ive noticed XXXX, XXXX, and Transunion has been furnishing my transactions and/or experiences between I and the person/creditors making the report.

No consumer reporting agency may make any consumer report containing accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 U.S. Code 1681c. As I examine my report, Ive noticed XXXX, XXXX, and Transunion furnishing collection accounts on my report, and also charged off remarks. 
Furthermore, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit transaction that is not initiated by a consumer. As I examine my credit report, there are unauthorized inquiries furnished on my credit report.
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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXXXXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

The following status of this account is incorrect and incomplete and is reporting inaccurate balances XXXX XXXX Account Number : XXXX Please investigate and delete it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 1 . The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Vehicle loan or lease

Local finance repossessed my 2017 vehicle when I was out of town I was never notified legally as required by law no phone call no text nor did they send me a letter all of which they had my phone number email address and mailing address. 
I paid a total of payments XXXX and balance owed was only XXXX. 
They claim that the vehicle has been sold for XXXX but never provided any proof and never reimbursed me the difference from the sale .But although they still claim that I owe them {$730.00} dollars, there crazy and I'm getting ready to start filling lawsuits for fraudulent accounting practices which is a felony theft by fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My requests for proper verification and the removal of the bogus information on my credit reports have been disregarded despite the numerous written letters I have given to the three credit bureaus. I last wrote to the credit bureaus Experian, XXXX, and XXXX on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Fair Credit Reporting Act, 15 USC Section 1681i, specifies that it is not authorized to continue reporting unverified information without any supporting documentation during the time frame permitted by law. Their willful non-compliance has violated this provision. My credit score has significantly decreased as a result of the fraudulent information that is still being reported on my credit report. I'm hoping you can help me out and get these things removed as soon as you can : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX. I have read enough to understand my rights and it is clear that you are trying to violated my Consumer Rights to save your own skins. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.
Product: Credit card

I filed a dispute regarding a charge from XXXX XXXX on XX/XX/2023 of {$700.00}. I provided all the documentation which shows that I was due a {$700.00} refund. 

American Express closed the dispute saying the merchant already refunded my amount of {$700.00} but that is incorrect. They keep confusing another merchant credit of same exact amount with the one that I filed a dispute about. 

I should have a negative balance on my account since I overpaid the card but instead I have a balance of {$650.00} which is incorrect. 

I have asked American Express to review my past XXXX statements and tell me exactly what charge from my account is the balance from? The disputed amount of {$700.00} should be credit back to me so my balance would go to negative balance. 

I kindly request that American Express reviews my past 3 statements for my credit card and go transaction by transaction and verify that all charges were refunded or paid except for the charge on XX/XX/2023 for {$700.00}. 

Thank you.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

I mailed a payment in XX/XX/XXXX for {$110.00} that was cashed by ACS on XX/XX/XXXX but apparently was never applied to my account. So in XX/XX/XXXX when I received the statement showing past due I contacted them. That was XX/XX/XXXX, the gentleman that I spoke to said to send a copy of the cashed check to them, which I did on XX/XX/XXXX ( I sent copies of both the XX/XX/XXXX payment and the XX/XX/XXXX payment both for the amounts of {$110.00} ). I received the XX/XX/XXXX bill today and it is still showing past due so I called them and they still have not processed the payment from XX/XX/XXXX to credit it to my account. There are late fees on my statement both for the month of XX/XX/XXXX and XX/XX/XXXX. They will not let me speak to a supervisor or correct  their error for me. The best they can tell me is to check back at the end of the week to see if the situation has been fixed. Meanwhile this negatively affects my credit and I am paying more interest than I should be since the amount applied to the late fees should have been applied to my principal thereby reducing what I owe and what the interest would be each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE SENT SEVERAL DISPUTE LETTERS BY CERTIFIED MAIL AND ONLINE DISPUTES AND NOTHING HAS HAPPENED. I STILL HAVE NOT HAD THESE ITEMS REMOVED FROM MY CREDIT REPORT BELOW ARE THE INQUIRES THAT NEED TO BE DELETED DUE TO NOT BEING MINE OR NOT AUTHORIZED BY ME. 
BELOW ARE THE INQUIRES THAT HAVE NOT BEEN REMOVED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX BELOW ARE THE ACCOUNTS THAT WERE SUPPOSE TO BE REMOVED OFF MY REPORT DUE TO THESE BEING AUTHORIZED FOR REMOVAL BY XXXX XXXX XXXX XXXX- ACCOUNT NUMBER -xxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCOUNT HAS NEVER HAD A LATE PAYMENT. REPORTING HAS SHOWN A LATE PAYMENT IN XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance.