23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THEY HAVE NOT REMOVED INFORMATION THAT I NOTIFIED/ REQUESTED REMOVED DUE TO FRAUD AFTER SENDING THE DOCUMENTS TO PROVE MY ADDRESS ALSO IDENTIFICATION AND UTILITIES BILLS WERE GIVEN NUMEROUS CLOSED ACCOUNTS NOT ASSOCIATED WITH ME AT ALL STILL REMAIN ON MY REPORTS DUE TO FRAUD THAT I REPORTED, AND THESE ISSUES STILL REMAIN A MAJOR STRESS FACTOR IN MY PURSUIT OF HAPPINESS I HAVE NO STUDENT LOANS! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX ( XXXX XXXX  XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8, I owe no Debt This company is violating my consumer rights to privacy pursuant to 15 USC 1681-b2 company has no permission to report my information per 15 USC 16814
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DSNB MACYS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Vehicle loan or lease

I tried to get a new car XX/XX/XXXX and XX/XX/XXXX. Was informed the auto loan I have been paying on since XX/XX/XXXX has not went down and is actually more money then I originally leased for. I was financed for {$10000.00} with an interest of 23.81 % according to the documents I have. I have been paying {$280.00} -XXXX every month and now the total due is owe {$11000.00}. This car will never be paid and I discovered interest is accured daily at the 23.81 % rate. I spoke to a customer service agent who said the car is owed {$11000.00}. The car was a {$10000.00}. 

The company has over 1400 complaints online for the same issues. To add this, the company is reporting to the credit companies and it looks like I am making payments on a revovling account instead of a fixed loan. 

I have all the documents and credit reports. I will have to scan the additional documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have repeatedly left voicemails with the dispute litigation and complaint team being promised numerous times on a recorded line i would get a call within 3 days. I call every week, have over 120 hours on my phone records of outbound calls and XXXX returned calls. 
This is a PERFECT example of WILLFUL & INTENTIONAL fcra violations which adds punitive damages ontop of actual, statutory, and legal. 

The several issues im trying to get fixed are : 1 ) They have blocked me from obtaining my report from ALL possible ways. Online, over the phone and mail, also even on third party websites like annualcreditreport.com and various other sites. This is a clear violation under the fcra which they are by law required to provide and intentionally refusing.

2 ) They are refusing to add a credit freeze, again a law provided by the fcra.

3 ) They have refused to remove 2 inquiries from identify theft after numerous certified mail disputes, disputes on recorded calls and through email.

4 ) Transunion has engaged in consumer fraud, unjust enrichment, false advertising with giving me free 1 year subscriptions that repeatedly fail and bill me illegally. 


ONLY ONE DEPT is allowed to speak to me, and they only have a voicemail and for 6 months, over 317 calls, since XX/XX/XXXX to XX/XX/XXXX, they have WILLFULLY AND INTENTIONALLY IGNORED AND REFUSED TO CALL. I emailed their general counsel, and several of their internal attorneys, all who have ignored this and acted in bad faith, violating their ethics to the bar by intentionally preventing me from having any access or control of my reports.
Product: Checking or savings account

I received emails and texts on XX/XX/XXXX indicating a chime account was opened in my name. I felt this was fraudulent so I called them. They refused to provide information about my fraudulently opened account without me giving them my social and dob- which is what a fraudster would want. I refused they hung up on me without giving me information about this unauthorized account. 

My guess is that they are doing this as a strategy and many are falling victim to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied on apple for a credit card that says it will not affect your credit and only do a soft pull not a hard inquiry. The card lives in your wallet however its issued XXXX XXXX XXXX. 

In the agreement it says you have to accept the card before they do a hard inquiry. I never accepted or was offered the oopourtunity to accept by email, phone, or any kind of XXXX XXXX XXXX told me they agreed and on XX/XX/2023 today theory would tell the credit bureaus thatbIn did not accept the card there for they cancelled the card and agreed. 2 days ago I received an email from XXXX XXXX saying after they didc their research just the applying counted as accepting the card. Please visit the XXXX  site or I can send pictures with both the statement about no affect to my credit score and that I had to accept the card before they would do a hard inquiry which they didn't. I DID NOT ACCEPT ANYTHING
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this for yrs now, I never had this car. i reported it as fraud, i also sent all the bureaus a police report. i have been able to get it off of XXXX and XXXX but experian hasnt taken it off. i want it off please. i havent been able to get any credit to build my future. i need this off please. i recently sent experian over a month ago showing that the information doesnt add up from bureau to bureau and havent gotten a response back. it's still showing a repo for XXXX XXXX XXXX opened XXXX XXXX with an account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern I was looking at my XXXX app one day and noticed some inquiries that I never authorized nor did I give anyone the the authorization to open these account in my name. I first call the companies that I seen on my credit report and ask them who tried to apply for these account in my name? and did they open these accounts? they told me that they will send me something in the mail I then reach out to the credit bureau over 60 days ago and still have not heard anything back from any of them I reach out to XXXX, Equifax and XXXX on XX/XX/XXXX and then on XX/XX/XXXX I sent another letter ask them to please respond and still nothing and before the letters I sent on XX/XX/XXXX I tried XXXX attempts before that.at this point I feel like I am being ignored and look pass I really would like to know what's going on here. and I would like these unauthorized inquiries removed from my credit report. the inquiries are as follow XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXXXXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage established more than three years ago with automatic payment from my checking account. For the last month or so, the autopayment selection on the Chase website has been reset to " no '' without my knowledge or consent. When I try to reset it to " yes, '' I continually get the same error message on the website ( using two different computers, two different internet providers and three or four different browsers ). It is not a problem with my computer.

Chase customer service manually reset the autopayment once -- after I spent an hour on the phone with them. However, several days later it was reset to " no '' again. I am unable to change it back because of the website malfunction described above. 

I have a " cashback '' benefit from Chase for paying my mortgage from my Chase checking account automatically. I believe the bank is deliberately resetting my autopayment selection against my will and deliberately preventing me from resetting it in order to disqualify me from the mortgage cashback benefit.
Product: Checking or savings account

Well Fargo Bank keeps ripping me off. 

I am writing you in regarding of a check/I wrote from my XXXX program from my computer to Mr. XXXX XXXX on XX/XX/XXXX for {$130.00}. I have been using XXXX for 25 years and I have been with Wells Fargo Bank for over 30 years. This check for {$130.00} has NOT been cashed and this uncashed check is in my possession now. I advised Wells Fargo Bank that this check was uncashed and Wells Fargo Bank should put the {$130.00} back in my account. 

Wells Fargo Bank mailed me a letter dated XX/XX/XXXX stating that Wells Fargo Bank was not going to refund my money back to me and I should contact XXXX. 

This is not a XXXX problem. This is not right what Wells Fargo Bank is doing. Wells Fargo Bank have my money NOT XXXX, XXXX do not have my money. This letter from Wells Fargo Bank is enclosed. 

This IS NOT the first time this happened. The 3 other times this happened I was NOT able to get my money refunded back to me because of the inadequate investigation of Wells Fargo Bank. ALL my checks or downloaded DIRECTLY to my XXXX program on my computer from Wells Fargo Bank Website. It is virtually no way I can make a mistake. I balance my checking account just about every night. It is very shocking to wake up the next morning to see your checking account is not balance. 

Wells Fargo Bank has ripped me off in the pass for {$1800.00} about 2-5 years ago different account, XX/XX/XXXX for {$100.00} and {$50.00}. I filed a complaint with Wells Fargo Bank, no refund was issued, and now XXXX for {$130.00}. I filed a written reported/complaint with Wells Fargo Bank but no one with Wells Fargo Bank seems to have the expertise to fix the problem. Wells Fargo Bank kept transferring me to different departments when I called them.. Wells Fargo Bank fraud department called me XX/XX/XXXX and I had to explain to them this was not fraud case. 
I believe when Wells Fargo Bank mails out paper checks from my XXXX program ( not electronically transferred ) to a person, Wells Fargo Bank take the money out of my checking account BEFORE the check is presented to the bank. If the check is lost or not presented to the bank the money is already subtracted from the bank account. I believe this is what is happening in my cases. This is not right. I am a Senior Citizen XXXX years old and I need all my money to pay bills. Wells Fargo Bank have taking money out of my checking account and post the check before the checks get to the bank. If the checks do not get cashed Wells Fargo Bank do not care. This is not right what Wells Fargo Bank is doing. 


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

I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the Account Name : XXXX XXXX  XXXX Account Number XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Credit card or prepaid card

I paid off my XXXX XXXX Credit Card that was serviced by Wells Fargo Bank. I spoke to the Wells Fargo Representative on X/XX/17 and inquired why there is a finance charge of {$1600.00} on balance of {$2700.00}. He stated that my promotional time has ended and gave me some deceptive information. I informed him that i have not received my statement in mail nor any notification that the account will incur finance charge on the remaining balance. This amount is absurd and unfair. While on the call with XXXX, ID # XXXX, I paid off the entire balance of {$2700.00} and he stated that he will credit my account of the error that has occurred. I requested a XXXX balance letter for my records. <P/>So I logged online today, X/X/2017 after two days the balance was satisfied, I see a balance of the finance charge on my account. <P/>This is deceptive and they are stealing and charging me for nothing. <P/><P/>Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Chase Card. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the informationXXXX XXXX XXXX I say. I dont consider sending some computer-generated generic letter verification. I also reached out to the furnisher and they agreed to repair the account in my file. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2021. Please update and correct my account right away. 

XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX is reporting a XXXX reported by Lexis Nexis not by a court and should be removed immediately 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

i looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and inaccurate and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 ( 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, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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, credit repair services, or other personal consumer reports

For the past year since XX/XX/2021 I have been unable to view or access my credit report or account for Equifax. I have called them every other month did the verification process over the phone and also sent in numerous verification documents ( have proof ) so that I can access my score and report. However still I have not been able to gain access with Equifax, have also spoken with managers via customer service with Equifax and still was unsuccessful. Im extremely frustrated due to this issue is causing a delay on my home buying process.
Product: Student loan

I called Navient numerous times regarding Public Service Loan Forgiveness but was told my loans didn't qualify. Now 13 years later I find out from my Union I could have turned my loans into Direct Loans and then I would have qualified for Public Service Loan Forgiveness. Had I known I would have turned them into Direct Loans and had them forgiven after 10 years.Now I will be going into retirement with student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXXXXXX XXXX XXXX  XXXX ( XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had XXXX XXXX XXXX XXXX XXXX service. When I moved I called to close my account. I was told to return the equipment to XXXX. The equipment has returned and I have the receipt. 

I was contacted by a different collection agency in XXXX XXXX and I sent a copy of my receipt. In XXXX XXXX I leaned a collection item was on my credit report. I sent SW Credit a copy of the receipt showing I returned the equipment. They have not removed the collection team from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and incomplete information listed on my credit report under the authority of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the account with the following details : Account Name : XXXX XXXXAccount Number : XXXXReason for Dispute : VALIDATION OF DEBT Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : VALIDATION OF DEBT If you contend that the account has been verified, I request a detailed explanation of the procedures used to verify the information as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This explanation must include : The name, address, and contact information of the party or entity that verified the account. 
Copies of all documents and evidence relied upon during the verification process. 
Failure to provide this information will constitute non-compliance with the FCRA, and I will take further action to enforce my rights under federal law.