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

XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2024 RE : Request to Remove Inaccurate Information under Section 609 of the FCRA Dear XXXX, I am writing to formally dispute the accuracy of certain information on my credit report, as permitted under Section 609 of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified several inaccuracies that require immediate correction and removal.

In accordance with my rights under Section 609, I request the following : Removal of Inaccurate Information I have enclosed a copy of my recent credit report with items highlighted that I believe to be incorrect or unverifiable. I request that these items be deleted or corrected, as they are misleading and damaging. In accordance with FCRA guidelines, if you can not verify the accuracy of these items, please remove them from my report promptly.

Cease and Desist Unauthorized Verification via XXXX. 
I demand that you refrain from using the XXXX system to verify these items. Instead, please contact the original creditors directly to verify the information and provide me with the contact person information in a fair and complete manner. This ensures my right to a thorough and accurate investigation, not reliant on automated systems. 

No Additional Notes or Remarks on My Credit Report. 
Please refrain from adding any notes or remarks to my credit report regarding this dispute or any other comments that may negatively impact my credit score.

Provide an Updated Copy of My Credit Report Once the inaccuracies have been corrected, please send me a new copy of my credit report reflecting these changes. 

Details of Inaccurate Information : XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX Please treat this request with urgency, as the inaccurate information has already caused unnecessary harm to my credit standing. I expect to receive a response within the timeframes set by the FCRA and look forward to the prompt resolution of this matter. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have dozens of netspend accounts all of which seems to he from one account but my account number is always changing I've had tax refunds sent these cards and enever received them When I call they claim my accounts are all closed and my logins are changing to route to emails I didn't request I had one card where I had XXXX dollars I put on it disappear and just never got any confirmation of where it went or why it's gone
Product: Vehicle loan or lease

Exeter Finance LLC has committed language fraud. According to the Retail Installment Agreement between myself and Exeter dated XX/XX/year>, Section 2 ( c ) states, SECURITY INTEREST. TO SECURE ALL THAT YOU OWE ON THIS CONTRACT AND ALL YOUR PROMISES MADE IN IT, you give us security interest in : 1. The vehicle including all accessories and parts now or later attached and any other goods financed in this contract, 2. All insurance proceeds and other proceeds received for the vehicle ; 3. Any insurance policy, service contract or other contract financed by us and any proceeds of those contracts : and 4. Any refunds of charges included in this contract for insurance, or service contracts. This security interest also secures any extension or modification of this contract. The certificate of title must show our security interest in the vehicle. You will not allow any other security interest to be placed on the title without our written permission. After executing this agreement I was harassed and my vehicle was taken from me in the process. They have also cause damage to my reputation via my consumer credit report, and continued to harass me claiming that I owe them when Ive already satisfied all that I owe on the contract and all promises made in it. I have tried to work things out with Exeter but they refuse to make things right. Due to me providing them with the commercial paper that they used to generate cash flow, I am an investor and I never received equal consideration nor value which are the main elements of an enforceable contract.
Product: Mortgage

On XX/XX/year>, I received the mortgage statement with a XXXX due for XX/XX/year>. There are not any prepayments on this account. There were no explanations as to why the balance for XX/XX/year> is {$0.00}.
Product: Debt collection

I have previously filed a complaint against Chase Bank for this debt due to inaccurate reporting to all of the credit reporting agencies. Chase filed inaccurate information regarding this account, and according to the Fair Credit Reporting Act, ALL information must be accurate or the account must be removed from ALL credit reporting agencies ' records. Chase still has not removed this account from any of the credit bureaus. Also, I have attached the latest debt collection letter from Chase directly, even though Chase has already charged-off the account and they have received a full tax write-off from the IRS as of XXXX , 2021. Chase Bank has already been fully compensated by the government and they are trying to double-dip the system in order to collect extra money.
Product: Credit reporting or other personal consumer reports

Ive been in communications with Experian about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. 
They are required to do what I am asking and block the following personal information from being reported to my consumer report within XXXX  days from the date of the receipt of this notice. I look forward to your response.
Product: Credit card

On XX/XX/31, Chase Bank happily accepted a potential customer 's pertinent information, such as XXXX, XXXX, Address, etc., to be entered into their systems and open a credit product. 
I'm sure they were elated at the new account opened. 

At no point during the process did they match the entered SSN to existing accounts ( security check XXXX -- does this person already have accounts with us? ). Had they, they'd have noticed a mortgage, investment, checking, savings, credit card and auto account. By simply matching this input and asking the customer to sign in to their properly secured account via XXXX, this mishap wouldn't occur. 

Additionally, Chase accepted a home address that the customer hasn't resided at in XXXX years - because, reasons? 

I sure hope the executives at Chase are pleased with their eagerness to allow accounts to be open to report to investors, mind you, it's harder to pay for the credit card bill than it is to open an account. 

XXXX XXXX  business practices that are SO SIMPLE TO AVOID!
Product: Student loan

ok in 2012 my school in XXXX N C XXXX XXXX was a XXXX week course and they set you up for a loan that you will never pay it off. they charge me 19 % interest i didnt know that until i left the company i worked it was XXXX XXXX XXXX XXXX TN XXXX I WORK THERE ALMOST A YEAR. PAYING THE LOAN FOR XXXX DOLLARS A WEEK IN FOUR YEARS THAT WAS A LIE. NOW BECAUSE OF THIS LOAN IT WAS XXXX DOLLARS TRYING TO PAY IT OF SEEN 2012 3 YRS NOW I ONLY GOT DOWN TO XXXX XXXX AND SOMETHING DOLLARS. IT HAS DESTROY MY LIFE COMPLETELY I LOST MY FAMILY I HAVE A SON WHO IS NOW XXXX YRS OLD I LEFT MY WIFE BECAUSE OF THE FINANCIAL BURDEN CAN PAY IT OFF BECAUSE THE INTEREST IS SO HIGH I AM ALWAYS HAVE A MONTH BEHIND I AM ONLY PAYING THE INTEREST NEVER WILL I CAUGHT UP IN PAYING IT OFF. I AM A MALE XXXX YRS OLD MY HEALTH SITUATION IS VERY POOR I ONLY MAKE LESS THEN XXXX DOLLARS WEEKLY I LIVE ALONE IN A APARTMENT PAYING XXXX XXXX DOLLARS FOR RENT THAT NOT INCLUDING GAS BILL WATER FOOD CABLE CAR INSURANCE TAX ETC ETC ETC I AM ALWAYS POOR BROKE AND NO FOOD TO EAT. MY LIFE IS MISERABLE, I NEED HELP THERE IS NO ONE TO HELP ME PLEASE, TELL ME WHAT SHOULD I DO NEXT. AND THERE ARE. XXXX XXXX AND THERE ARE XXXX OF PEOPLE THAT I KNOW ARE IN WORSE SITUATION THEN MY SELF. THESE SCHOOL ARE DESTROYING PEOPLES LIVES. THE LOAN BANK IS PARAMOUNT CAPITALGROUP XXXX XXXX XXXX PA XXXX THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation information is inaccurate no knowledge of accounts sent to credit bureaus
Product: Debt collection

Upon moving to XXXX XXXX recently after residing in XXXX XXXX for 7 years I have never heard of this debt that seems to be something from 2007. I divorced and was driving a twenty year old car so I was looking to purchase a used car that was more reliable so this company XXXX XXXX XXXX contacted me right after I was at dealership, so they ran my credit. The only thing they have done was one phone call to verify my employment and then a judgement to garnish my wages which seemed so harsh being I honestly new nothing about this. Its been ten years how can this happen and when I went to the court because they would n't even tell me what it was the court did n't even know what the debt was from all they said was it looks like maybe it was some kind of credit card. Can this happen so drastically this would literally put me in a terrible place financially I 'm barely surviving now. Apparently upon research this company buys old debt and just takes extreme measures to get paid I wonder myself if they keep it. I really feel helpless obviously I ca n't afford an attorney. Thank you for your time if any additional information would help on my behalf I would be more then happy to share. I filed a motion along with two certified letters wanting more information. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I tried to make arrangements many times. Also found out that they have added extra charges to my account. With out my knowledge. Now they have to pay out over XXXX XXXX dollars. I want my account. Adjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an inquiry with a hard hit while I had a credit freeze. A supervisor at transunuon said they allow some companies to do this. I wanted to file fraud on it and was told I could not.
Product: Debt collection

Company called Telerecovery placed a Collections Debt in my credit file XX/XX/2020. They have used several company names that they are representing to none that I am familiar with owing. The last company name they used, I managed to find a number and called them. The company XXXX XXXX verified my Identity and said that there was an error and the Collection should immediately removed from my Credit file because the bill was settled over 4 years ago. The company stated that they had encountered multiple problems with their Billing department and were trying to resolve them as quickly as possible. This Collection has ruined my credit, dropping my score more than 50 points, caused my Auto Insurance rates to go up, and it is not even a valid debt.
Product: Money transfer, virtual currency, or money service

Dear XXXX, I am writing to file a formal complaint against XXXX and Wells Fargo regarding their handling of an international wire transfer I initiated on XX/XX/2023. I wired funds to XXXX XXXX XXXX 's account with XXXX XXXX, XXXX XXXX in XXXX, for the purchase of an apartment in XXXX at XXXX XXXX XXXX. However, to this day ( XX/XX/2023 ), the money has not been received by XXXX XXXX, and XXXX XXXX  has confirmed they have not received the funds. 

Despite my efforts to resolve the issue, including requesting the money to be recalled and returned to me, Wells Fargo informed me that XXXX in XXXX XXXX, the intermediary bank, was holding the money and conducting an investigation. However, the nature of that investigation remains unknown to me. I filed a formal complaint through your office ( Complaint ID XXXX ) against Wells Fargo XXXX XX/XX/2023. Wells Fargo responded to my concerns on XX/XX/2023, stating they had reached out to XXXX four times with no response, the case remains open. On XX/XX/2023, Wells Fargo informed me they had made three attempts to confirm credit, but there was no response from the beneficiary bank, XXXX XXXX, XXXX XXXX As a result, the letter stated that Wells Fargo would close the file, and no further action would be taken, which is unacceptable. 

I called the Wells Fargo XXXX XXXX on XX/XX/2023, and requested them to reopen the case. However, they advised me to contact XXXX directly since XXXX was ignoring the interbank Swift messages sent by Wells Fargo. I am not a XXXX client, and I believe it is not my responsibility to resolve this issue. This is a matter that should be resolved by the two banks, XXXX and Wells Fargo and not left to an individual to directly resolve by following up with a bank of which they are not a client. 

Due to this long delay, I am unsure if I will be able to purchase my apartment as agreed upon with the seller. This has caused me considerable emotional distress. Wells Fargo and XXXX have yet to provide a clear explanation as to why my hard-earned money is still being held and not returned to me. I suspect that the banks are ignoring me and not taking my complaints seriously, possibly because I am a minority. 

The mismanagement of this wire transaction demonstrates a profound sense of arrogance and disregard for professional courteousness. Therefore, I am seeking a full refund of the wired amount ( {$33000.00} ), as well as compensation for any additional expenses incurred as a result of Wells Fargo and XXXX 's negligence. 
I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter in a timely and satisfactory manner. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates that you eliminate any false accounts from my credit report. Please review the documents, as some listed accounts are not accurately reported, with wrong amounts and dates.
Product: Student loan

I was going to attend   XXXX   XXXX   College in   XXXX   XXXX   Sc that was between  XXXX  and  XXXX  not exactly sure. The advisor i had was  XXXX  ca n't remember last name. But after finding out the school was n't accredited I decided not to attend. Yet I 'm assuming   XXXX   XXXX   was still billed. I never attended classes but yet I was sent a bill to pay   XXXX   XXXX  . I contacted   XXXX   XXXX   to make them aware of this. At which time I was told it was showing I attended the school for months and that I should pay and if it found that I did n't attend I would be refunded. ( I paid about {$300.00} towards the loan ) I again assured her this not to be true. I then went to the school and got a letter on the school letter head confirming I did n't attend classes or got materials from the school. I was told it would be looked into and I would receive a follow up and if found I did n't attend the school id receive a full refund. I never heard from them again. And only got a load of run around afterwards.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

RENTRECOVERYSOLUTIONS {$5400.00} XX/XX/2023 I disputed it
Product: Credit reporting, credit repair services, or other personal consumer reports

Incordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 convergent account numbers Has violated my rights 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. Section 604 A Section 2 It also states a consumer reporting agency can not funish account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer report containing any of the following items of information any other advice item of information other then records of crimes which antedates the report by more then 7 years.

15 U.S.C. 1681-2 ( 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 card or prepaid card

Hi, I am a XXXX XXXX  working at the XXXX XXXX and XXXX XXXX in XXXX XXXX ( XXXX ). By following the instruction of the State Department, I applied for a commercial card from XXXX XXXX which gives me tax exemption treatment. 

My card information is : Name : XXXX XXXX Account number : XXXX However, in recent months, I have been charged with many unauthorized transactions by XXXX XXXX. After talking to its security operation office for many times, I successfully got refunded except for the following XXXX transactions : XXXX. XX/XX/XXXX : {$90.00} XXXX. XX/XX/XXXX : {$91.00} XXXX. XX/XX/XXXX : {$91.00} XXXX. XX/XX/XXXX : {$89.00} I live in XXXX XXXX, California and usually fill my tank at the stations in XXXX and XXXX. Until XX/XX/XXXX, I only own a XXXX XXXX, which tank is too small for $ XXXX diesel. 

I constantly requested XXXX XXXX to check the footage of the surveillance cameras at which those unauthorized transactions happened but got refused. According to its security operation office, they think those transactions " have a similar pattern, similar amounts and happened in locations close by '', so they decided to deny my claims. 

In short, XXXX XXXX claims that I not only stole diesel from them, but lied to them. It is an unacceptable accusation against my integrity and an outrageous humiliation to my country. 

I am willing to accept interviews and provide more evidence to clear my name and get refunds that I deserve. 

Thank you very much.
Product: Checking or savings account

I had made a complaint with your company to try to have this resolved. 
You apparently contacted the bank and did not resolve my case. 
I have funds still being held since XX/XX/2023. I recently talked to the executive department and they told me to contact you again. That you can help me get this resolved. 
I opened my account with 2 checks of {$5000.00} each. The paperwork that was filed that day should have been mailed to my address. They said it would take 7 days for me to receive it. 
I never got them and that's when I went back and tell them what is happening and they had told me they closed my account. I was able to withdraw a portion of my funds but then they held the rest of it. 
They are holding my funds and refuse to return them to me. The checks that were deposited to open the account are of good standing and they have no proof that they were not and are holding my funds. 
Please help me get what belongs to me for I have done nothing wrong.
Product: Credit card

On XXXX XX/XX/year> I attempted to make a purchase using the Apple Card ( serviced by Goldman Sachs ). The purchase was declined. I reviewed the information, attempted the purchase again with the same result declined. Check my Apple Card account -- the first transaction shows " pending '', the second transaction declined due to insufficient funds caused by the first transaction. Again, my transaction through the Apple Store was not completed. I contacted Apple and Goldman Sachs the same date of the attempted purchases. Goldman Sachs representatives were unwilling to help and said " it would eventually fall off ''. Apple reps attempted to help but the matter falls into Goldman Sachs purview. On XXXX XX/XX/year> I reached back out to Apple who on my behalf reached out to Goldman Sachs to confirm, there was no order placed. Goldman Sachs repeated the answer I received the evening prior. When I asked for the transaction ID and merchant ID a Goldman Sachs representative provided false information, which I later confirmed with Apple and a different Goldman Sachs representative. Additionally, Apple 's consumer rights policy states customers will not be charged until their order ships or the customer receives correspondence stating their item is ready for pickup. Goldman Sachs violated this policy. I asked the Goldman Sachs representatives what the followup actions are if I had reported the charge as unauthorized. They indicated I would be credited the amount, and the activity would be investigated. I inquired what was the difference between the two situations. They were unable to give me a response and again claimed there was nothing they could do.
Product: Debt collection

This Collection agency represented by the three lawyers have violated the consumers protection rights. XXXX XXXX, XXXX XXXX XXXX, XXXX They have GANISHED MY FULL WAGES from MY account. This is a violation. Please address this matter as a true representative of the United State of America. 

The assumption held by many is that, once a debtor is found, the creditor can seize or freeze any of the debtors assets in order to cover the cost of the debt. That is a false assumption. The Fair Debt Collection Practices Act ( FDCPA ) is a national regulation that makes certain assets exempt from the credit collections process and protects the consumers from harassment by creditors and debt collectors. 
Earned income The amount of earned income that is exempt from collection depends on a number of factors, including the minimum wage, the debtors take home pay, whether or not they receive SSI or PA and the amount of your disposable income. The simplest translation of this exemption is that there is never a time that all income can be garnished to pay off past due accounts. In fact, federal law will allow for wage garnishment only up to 25 % of the net income. Like all other garnishments, this requires there to be a judgment against the debtor before taking effect. 

My husband ( XXXX years old ) with increased health problems XXXX XXXX XXXX XXXX XXXX ) does ride-share so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX XXXX XXXX ) has not able to work for the past few years. 
XX/XX/XXXX/ XX/XX/XXXX, when the real estate market crashed both my husband and I had lost our jobs.

We used our reserves to keep up with the increasing mortgage payments and
credit card payments.

But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XX/XX/XXXX, our income had improved and we were able to get an affordable modification. 
Since then, we are able to make our mortgage payments but not able to pay any other debts.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX