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

While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, 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. XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries
Product: Credit reporting or other personal consumer reports

I had a student loan with Nelnet Loan Service since XXXX to todays date. This company has sold my loan to XXXX  and is paid off. Nelnet loans continues to show a late status over 180 days and has been for 18 years. This company has validated the fair credit reporting act of XXXX. I have disputed this over and over again and the report comes out differently ever dispute. I am going to seek legal action against them for breaking the law. And my rights. This has been so ridiculous at this point. Over 18 years on my credit. And this is paid off. XXXX XXXX  XXXX here.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

PLEASE HELP ME REMOVE THIS ACCOUNTS IN VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$19000.00} XXXX - XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX  - {$310.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8900.00}
Product: Checking or savings account

As of XXXX, XXXX, XXXX has been taking money out of our Wells Fargo Checking account without our authorization. They have done this XXXX times, sometimes bi-monthly for about a total of {$1300.00} as reported to me by Wells Fargo. 
I contacted Wells Fargo on XXXX XXXX, XXXX to report this unauthorized withdrawal. I contacted the fraud department as instructed. The woman from Wells told me that we would not be liable for these charges. She said that Wells Fargo would cover this for us. She did a search to see the history of the charges and found that XXXX was at times taking {$29.00} BI-MONTHLY FROM OUR ACCOUNT. She then transferred me to another person on the fraud unit. I had thought that I was already talking to the fraud unit. The case number that she gave me was XXXX. The fraud unit Representative the told me that there is a statue of limitations and they may only go back XXXX months. He implied that we were at fault for not reporting this sooner. He said that it would take about XXXX business days to get a reply from Wells Fargo and that we may or my not get our money reimbursed and that if it was, it could be taken away. He said it could take from XXXX days to process this. He said a lot of research goes into this. We may get a provisional credit or temporary credit but it can be taken away..He then transferred me to his supervisor after I told him that we were not responsible.I told him that I did not know if what he told me about the statue of limitations is legal. The supervisor came on, and she said that she could not hear me and ended the call, whereupon I had to call back and deal with another person who then told me I had to answer several questions which I did answer. I asked her to please email me the questions that I had answered so that I could have that for my records. I have not received that information. 
I hope that you can help me with this as I do not know what my rights are with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at XXXX XXXX. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made an international wire transfer from my Wells Fargo Checking account to another checking account in XXXX XXXX XXXX ( XXXX ) for paying repairs at my rented property in XXXX, As Per Wells Fargo transfer Receipt money suppose to be delivered by XX/XX/year> but it never did. 

ON XX/XX/year>, XXXX I called to check why the money was not delivered Wells Fargo Stated that they need to verify my identity and i have to visit the branch so I walked to the branch the same day and submitted a copy of my passport & driver license. Wells Fargo Stated it will take 7-10 Business days for the transfer to be completed. 

Unit Now on XX/XX/year> The Money was never delivered Or refunded to my account I made several calls to their support and sent many emails and each agent tell me Something different like the money was delivered to the destination bank and when i ask The agent to provide the SWIFT MT103 document as proof so i can take it further with the receiving bank they state they will have to file a request to be approved and never get back to me I have been following up for almost 2 month and this costed me a delay penalty with the contractor who is carrying out the work in my Real Estate unit in XXXX Transfer Confirmation number XXXX
Product: Payday loan, title loan, or personal loan

Cashnet USA keeps changing the settlement offer. I have copies if you need to see them. 
They keep changing the amount of the payment due and the loan repayment date. 

Whenever I call in to make a payment they tell me that I owe them more money,. ' XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, in a social group I am apart of I made a purchase for 2 pairs of shoes. I sent the payment of {$550.00} through XXXX thinking I would have purchase protection like XXXX. 
When I sent money I was promised the tracking number the same day but did not receive it. At that point I called my bank Navy Federal and XXXX to cancel the transaction because it was not complete and still processing and I could not and the bank nor XXXX had a clue why it was not giving me the cancel option. 
Since the same recipient has messaged my personal phone as well as contacted me again on the social group stating how he/she was not a scammer and would send me either the money or shoes. He/she again disappeared and has not contacted me. My bank was not willing to help me file a dispute although telling me when I first tried to cancel the transaction that I could file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I listed furniture on XXXX XXXX, buyer contacted me, wanted to buy and opted to pay me {$500.00} via zelle. Got email from Zelle saying they had the funds on hold as my checking account was not a business account and buyer had to send me {$350.00} to upgrade my account to business, then I had to send back {$350.00} to buyer and show the proof, then Zelle would release {$850.00} back to me. Then Zelle sent email that buyer 's account was charged {$350.00} in duplicate and Zelle could not refund him the {$350.00} as it was already in its system and could not reverse so asked me to send additional {$350.00} and they would refund me {$1200.00}. Otherwise they would not be able to release the funds. Then Zelle asked for {$700.00} for a Certificate Fee which would also be refunded to me. My bank stopped that payment, fortunately. Yes I fell for a scam to my horror for the first time in my life. As it's Zelle the {$700.00} ( $ XXXX ) my bank is unable to recover the funds. Is there anything that Zelle can be responsible for in this situation. I believed the emails were actually coming from Zelle. Thank you.
Product: Credit reporting or other personal consumer reports

I have notified all three credit Bureaus XXXX, Experian, XXXX and XXXX XXXX that XXXX XXXX  is not my account I have never done business with them. I asked for a copy of original paperwork to prove I did business with them. And if the account was sold to them from someone I never have permission to do so,
Product: Money transfers

Paypal unfairly withheld proceeds from credit card transactions for over two weeks. It 's been two weeks since payment is received from my eBay sale and the balance continued to be withheld. I have been an eBay/Paypal user for many many transactions and so is the Buyer. There is no reason for them to do this other than greed to capture additional " float ''.
Product: Student loan

In 2014, Navient did not consolidated my student loans correctly and ( although I called multiple times a week and documented my phone calls for my own records ) it took almost an entire year to correct. I was told to put the loans into forbearance until their error was corrected and I ended up having the interest that accrued during months of forbearance applied to my principle amount. Navient also miss calculated my payments and set me up with a payment plan that paid less than the monthly interest that accrued. After a year of making the payments they told me to make, I owed more than when I started. Numerous times I asked for a record of how my payments were being allocated to the total loan amount and was never provided a way to see this. After over a year of struggling with this company, I transferred all of my consolidated loans to a different provider. I still have XXXX unconsolidated student loans with Navient which makes me uncomfortable. I do not believe my account was managed appropriately and I believe ( despite numerous attempts to fix this via phone conversations ) Navient did nothing to fix my account because they were able to profit by not fixing it. I was scammed. I have documentation of when I called, who I spoke to, what was I was told, and how nothing was done to fix my account. 
This was for XXXX loans I took out while attending XXXX XXXX XXXX University.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXY Account Number : XXXX and list of Inquiries. 

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

Hello, My checking and saving s accounts were closed by Chase Bank on XXXX, they sent me notification that official my accounts were closed on XXXX I have called them 4-5 times and they will not send me a check or give me back my money, I have spoke to supervisors managers, my savings account was {$15000.00} and checking accounts was {$2900.00}. Its has been 36 days since my money and accounts were closed and have yet to receive a check. I have spoke to XXXX, XXXX, XXXX, and XXXX and they think its funny and laugh the conversions have been recorded. thank you XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have file this account as not my account this account was open as identity theft account but they have not removed from my credit report
Product: Checking or savings account

I tried to pay off an account currently charged off with Bank of America upon paying them off I was told they I can not be provided a letter only a confirmation number the letter has to be mailed which is absolutely unacceptable and I have never heard of such thing from a bank as well as they had no explanation of the amount that was due either
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute DEPT OF ED/XXXX XXXX. The opened date listed on these accounts are incorrect, please delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccuracies on my credit report. Upon checking my report, there are now : XXXX. XXXX inaccurate late payment statuses reporting on my credit XXXX report. 
XXXX. XXXX inaccurate late payment status reporting on my credit Transunion report. 
XXXX. XXXX inaccurate late payment statuses reporting on my credit XXXX report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.
Product: Credit reporting or other personal consumer reports

Reinvestigation follow up dispute I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account XXXX XXXX XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are not complying with their own policies in a timely manner. I mail a letter with the date of XX/XX/2021 outlining all incorrect information and to delete all incorrect information regarding several accounts on my credit report. Then I followed up with another letter to the credit bureaus thats has the date of XX/XX/2021. Theres still no final resolution or response regarding the incorrect information that is on my credit report from the credit bureaus. Also another letter was marked XX/XX/2021 to remove inaccurate credit information and I havent received any response regarding that letter. I see multiple FCRA violations and misleading false reporting from several accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. 

XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00} There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having a problem with Equifax Credit Bureau. I tried setting up an account at XXXX   But everytime I try logging in it gives me an error message to call. Which I will attach. I called Equifax to dispute a transaction and to ask about XXXX. The representative said she wasn't able to help me with the online account but was able to file the dispute. She never transferred me to anyone that could help with the online account. I called back to remove the fraud alert with no problem all info was successfully verified. That was about 3 weeks ago. But for 2 weeks I've bern trying to contact Equifax so I can get access to my online account. I put in all my personal info and then automated system says I cant speak with anyone. I've also tried ordering a credit report and Equifax sent me a letter stating they couldn't provide me with a report because I have no credit file. I need access to my info and status on disputes that I have filed. This should not be happening. All info I've entered is correct. I've even verified all info thru my XXXX XXXX account.