23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian was asked to get debt validation, signed contract to support the claims as I have no knowledge of this XXXX debts with DEPT OF ED/XXXX Never late with XXXX XXXX XXXX XXXX XXXX. lates need be verified or deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled up my credit report and still a lot of negative accounts on my name. Why you keep posting this information, its not mine. I m sure that someone have my personal information. I dont understand how I can delete those accounts.
Product: Credit card

I ordered 60 lawn chair repair straps and matching clips, 10 extra clips and 2 cans of paint from XXXX XXXXXXXX XXXX XXXX XXXX on or about XX/XX/, for a cost of {$160.00} ( which included {$33.00} XXXX XXXX XXXX. ) They acknowledged the order. I followed up with them by their online chat service, by email, by text messages and by FAX, asking if they were going to fulfill the order. All I received was a single phone voicemail with some kind of apology. Eventually, the company sent one single strap, the ten additional clips, and the two cans of paint I disputed the charge with my bank, Wells Fargo. I provided Wells Fargo with a full documentation of all my efforts to get my order. Wells Fargo contacted the company, which responded by falsely stating that THEY had tried to contact ME about the length of the straps, but in their response they not only admitted they never sent the remaining 59 straps, but they included a copy of the invoice which has MY comments stating that I -- not they -- I had tried to contact them many times about the length of the straps, thereby disproving in their own evidence their false claim to my bank. The company provided no other evidence they had done anything to contact me, though they surely have copies of their own chats, wherein I repeatedly tried to contact them and confirm the length of the straps. Since I have received part of the order -- though the paint is useless without the straps -- I offered to compromise and reduce the disputed amount by the cost of the paint ( {$16.00} ) but not the {$33.00} in shipping for the whole order. Wells Fargo conceded on the phone it was obvious the company had not sent the ordered straps, and that my comments on the company invoice, as well as a shred of supporting documentation to back up their assertion that they tried to contact me, as well as my comments on their own invoice, showed the company was at fault for not sending the remainder of the order. Despite all this, Wells Fargo has now denied by disupte, says the COMPANY has accepted {$140.00} -- the cost of all the straps ( {$100.00} ), which they never sent ) and the entire shipping and handling cost ( {$33.00}, even though all they sent was 2 cans of paint, 1 strap and ten tiny clips ). Wells Fargo thus has denied my dispute and refuses to provide any appeal or redress. They reached the exact opposite result, despite a complete absence of evidence in the company 's favor, and won't do a thing to fix their mistake.
Product: Checking or savings account

On XX/XX/XXXX, I got contacted by someone name XXXX XXXX, who says that the is an editor of the online magazine website, XXXX ( XXXX ). On XXXX, XXXX XXXX is known as " XXXX. XXXX, '' but I was curious if this was the same XXXX from that website, or not. Because I am a XXXX, he said that he saw my information on a website called XXXX, for which I am not a member of that website. He gave me details for a XXXX XXXX, which the deadline is on XX/XX/XXXX, which will pay me {$2000.00}, but an advance pay of {$500.00} will be payed to me first. He also told me to email an agent name XXXX XXXX, with an email XXXX. When speaking with XXXX, he mentioned that I will have to pay him {$3300.00} dollars, for which I did n't have those type of funds, which made step away from being the XXXX. XXXX then told me, that I will be receiving an advance pay of {$3800.00} dollars, which according to XXXX, I had to pay {$3300.00} to XXXX. Once I received the check on XX/XX/XXXX, I made a mobile deposit of the check. The funds were on hold for several days, until the XX/XX/XXXX. On XX/XX/XXXX, after checking my bank account, with the funds still on hold, now there is a pending on a return item of the {$3800.00}, leaving my account with overbalance of a negative account. I 've contacted XXXX to request a fraud on my credit report, I 've filed a complaint to the FTC, I 've contacted my bank to try and file a fraud affidavit, and the XXXX Police Department Major Frauds Unit, in regards of this. I 've yet to file a police report, as I 've noticed that I will need to gather up a bunch of evidence, before I could proceed with the report.
Product: Debt collection

To Whom this May Concern, This is regarding the XXXX XXXX XXXX that was initiated on XX/XX/XXXX with your corporation identified by the account number beginning with XXXX and XXXX open on XX/XX/XXXX I would like to formally request, in writing, that you CEASE & DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties including XXXX, XXXX, AND ALSO XXXX. Pursuant to 15 6801 ( a ) which clearly states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to RESPECT the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

I have not given your corporation my consent to share my nonpublic personal information. If your corporation claims to have been given permission to share my nonpublic personal information, I also request that the original agreement between myself and your corporation with my signature. In which I opted in to sharing of my nonpublic personal information be furnished to me. If this agreement exist. I would also request to be shown, in that same agreement, where I was clearly and conspicuously presented with the option to opt-out of sharing of my nonpublic personal information a provision of 15 USC 6801 ( a ) which requires financial corporations to notify consumers of their information sharing practices and provide for a right to opt-out of certain sharing.

Be advised that according to 15 USC 6809 ( 4 ) ( a ), the term nonpublic personal information is defined as personally identifiable information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service preformed for the customer or Otherwise obtained by the corporation Settle this matter or legal action will take place.

You have 10 days from todays date to remedy this alleged debt.

Please do not contact me if it does not pertain to this matter at hand. 

Best Regards, Without XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act credit bureau has violated my rights 15USC1681 section 602 A states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Student loan

In 2006 I went to The Illinois XXXX XXXX XXXX for 3 years. I went on a short break and when I came back they said my XXXX XXXX was no longer offered and that I could go for an XXXX XXXX instead. I couldnt even finish my 1 year left and still pay XXXX each month since I was XXXX. XXXX XXXX with XXXX kids now under XXXX still paying without any possibility of getting my degree finished. They wouldnt even take all my credits!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

My personal information has been stolen and sold to consumer reporting agencies therefore I am a victim of identity theft. 
I have tried disputing such claims however nothing has been done. This is effecting my reputation and everyday living. 
Pursuant to 15 USC 1681a ( d ), 15 USC 1602 ( L )
Product: Checking or savings account

On  XXXX   XXXX ,  2017 , EXPERIAN  (   XXXX   ) charged my account {$29.00} after one-week trial expired based on the prior agreement. I paid for {$ 1.00} to access, but considering how much online technology information is moving at a rapid speed, I did not cancel the account within 7 days but you still have asked AGAIN whether I " still '' want to be charged or not. This is a question of ethic moral, stealing money from people who co nsented to {$1.00} and then did not want to consent to {$29.00}. I want my refund. I had spoken with the manager. The manager still refused because of the agreement online. So I turned to CFPB becaus e I need my money back whenever possible. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX are violating the FCRA laws by providing false, misleading, and inaccurate information on my consumer credit report. No late payments are to be reported according to the Cares Act.This is How Creditors and Lenders Report to the Credit Bureaus under the CARES Act-Late and missed payments CAN NOT be reported. 
This is the only late payment ever reported.Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down but will not report late payments at this time. XXXX  website quotes " XXXX supports the CARES Act '', so why is it still on my credit report? XXXX and Equifax and XXXX are in Violation under 15 US Code 1681e ( b ) and US code 1681i ( 5 ) not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

This account was charged off the following date of ( XX/XX/XXXX ). Since then the date of last activity has been inconsistently updated. On XXXX the date of last activity is ( XX/XX/XXXX ) and of XXXX its ( XX/XX/XXXX ) but on Equifaxits ( XX/XX/XXXX ), with all XXXX credit bureaus being last reported in XXXX of XXXX. If this information is coming from the original creditor the dates should be the same. We can not say these accounts are XXXX  % accurate so its deemed INACCURATE. Please delete this account from my report ASAP. 


ACCOUNT NUMBER - XXXX ACCOUNT NAME - XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below violates my federal protected consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602 ( A ) States I have the right to privacy. 15 U.S.C 604 ( A ) section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following information other than adverse items of conviction of crimes which antedates report by more than seven years. 15 U.S.C 1681 S 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if a person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I made a payment on a credit card account with my debit card. The account was in collections and the agent on a recorded line lied to me and said that my account was still open and by making the payment I made would bring my account current and restore my privileges for using my account. I spoke with a supervisor at the credit card bank and they apologized and said they would investigate and said they would process a refund based on the situation. They advised that the payment would come in the form of a check and Id have to wait up to XXXX to XXXX  days. They advised I could dispute the transaction with my bank Wells Fargo and it would be refunded faster. So I did that. Wells Fargo started the research and issued a temp credit and today they reversed the credit so that tells me they didnt do their job in their fraud and research department. Because if Wells Fargo would have done their job then they would have gotten the needed information and never reversed the temp credit to my checking account. This is the second experience in the lifetime of my account that Wells Fargo started an investigation and did not do their job correctly and reversed and or picked and chose what they felt was the right amount to reverse. My first time was with an XXXX refund issue and I have all the proof to back up my claims saved in pdf format. Im sick of Wells Fargo hiring and keeping employees that wont or dont do their jobs. This is absolutely disgusting that they will let employees half perform job duties which from an HR department standard is called work avoidance. My next step will be to use my small business platform to seek out and find every customer of WellsFargo that has had a similar experience and to file both CFPB AND XXXX complaints so that a full audit on the fraud department will occur and that employees will be fired. I have over XXXX  years of banking experience and Im sick of the consumer abuse occurring by major corporations especially financial institutions. 
I expect the bank to reach out to the other bank and obtain the transcripts for both phone calls the one with the agent that lied to me to get me to make a payment and the one with the supervisor that advised me they would perform a refund that would take an extended waiting period to receive or for me to dispute with WellsFargo to get my funds back. The timing alone should show there was a major problem.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 7. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX successor by merger to XXXX Bank, XXXX XXXX XXXX XXXX for XXXX XXXXXXXX XXXX Certificates XXXX XXXX XXXX XXXXXXXX XXXX Questions/Comments : 1.On What date was the Note transferred by XXXX XXXX to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
2.By what method was the note transferred to the trust? Please included physical address of the place where the note was delivered. 
3.Was the assignment of mortgage also delivered by XXXX  XXXX XXXX XXXX trust? 
4.Where were the original note and assignment of mortgage ( if any ) physically stored by the trust? Please include the physical address of the place where the note and assignment were stored. 
5.What documents if any were given showing the delivery of the note and assignment to the trust and or receipt of note and assignment to the trust? 
6.Was the note indorsed by XXXX XXXXtXXXX at the time it transfered to the trust? If So, please identify the person who examined the note and the date and place the examination was made. 
7. Did the trustee or its designee ever notify XXXX  XXXX that the note, endorsement, and or the assignment were not in compliance with requirements of the trust, whether by including the note and assignment on an exception report or by other means? If such notification was made, please identify the date and the method of such notification. 
8. Was the trust credited with any payments made on the XXXX note? If so please state each date a payment was credited to the trust on the XXXX note. 
XXXX. This debit was satisfied by means of cancellation of debit, recission of note, and or XXXX Mortgage Settlement
Product: Money transfer, virtual currency, or money service

My MoneyGram account was canceled for no reason. I have used the mobile application for a couple of years sending money to my relatives. I used the account recently a couple days ago tried to use on XX/XX/2021 to find my account was blocked. I called to request the reason for such action they refused to disclose. Please investigate to avoid hardship for my relatives abroad that rely on my remittances.
Product: Payday loan, title loan, or personal loan

In XX/XX/2023 I was looking for a loan to pay off credit card bills. I submitted online applications through a website that provided a listing of loan providers with different rates and plans to compare. I went through a reputable company, and over the past four months have had my bank account hacked by fraud companies and did receive a loan amount for {$1200.00} in my checking account. I have contacted the company, Wahido Lending aka River Valley Loans to ask why they sent me the loan. They claim I applied for the loan. I asked for a copy of the application. They said they don't have it. I asked for a copy of the loan contract. My signature is typed in and my name is spelled wrong. They claim I signed the contract. I did not. They are charging 700 % interest on {$1200.00}, They also are taking {$320.00} from my bank account twice a month with out my giving them authorization. I revoked the ACH and requested they provide me with the application used to establish the loan. They claim they don ; t have it becasue it was sent online. The contract reads that becasue they are a Tribal sovernty they can not be sued and are not liable for any civil claims. They also claim they don't have to follow state or federal lending laws including 700 % interest rate. Now they are harrassing me with wage attachment and say they have legal rights to take payments from my debit card and will continue taking my money twice a month. I need help. They are very dishonest and commiting financial fraud. I told them I am filing a fraud complaint and they don't stop. What can be done about this?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : Account : XXXX XXXXXXXX Account Number : XXXX It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that XXXX making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]