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

To Whom It May Concern, I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. For you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 

Listed below are the Inquiries that are being challenged : XXXX XXXX  - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX  - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX  - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY
Product: Credit card

Received 2 phone calls from XXXX  XXXX ref # XXXX and one from Discover ref # XXXX that someone is XXXX TX is trying to open an account with the last 4 of my social in my name. They want to send me directly to you and will not let me contact you directly which leads me to believe scam. Discover call came from ( XXXX ) XXXX which shows as scam on internet. 
I need to know if these are really scam calls or should I be notifying the credit bureaus. Calls tell me you will solve the problem.
Product: Student loan

I've been paying of this loan for years and my balance isn't going down AT ALL. Call Sallie Mae and informed them they tell me I have a variable interest rate I told them I have a fix interest rate also ask them to start mailing me my statements every month still haven't received any information on this loan in mail
Product: Debt collection

I received a collections letter for a 6 year old medical debt. Besides being right at the statue of limitations for collections in Ohio the bill is a billing error on behalf XXXX XXXX provider XXXX XXXX XXXX. I have confirmed with my insurance carrier, XXXX XXXX, the the physician never billed my insurance. Upon calling XXXX hospital billing to rectify this, I was informed that XXXX doctors perform their own billing. I am not responsible for this billing error. The physician can not provide any statements proving they billed my insurer and therefore are attempting to collect from me to cover their error. I was also advised in writing, by the collection agency, that consumer reporting agencies have been notified of this collection and ruining my good credit.
Product: Student loan

Consolidated student loans thru XXXX XXXXXXXX XXXX Employed by a federal Head Start grantee for 7 years. 
Enrolled in student loan forgiveness program sending employment verification signed by my employer that qualified me for the XXXX student loan forgiveness program. 
Never missed a payment in 7 years. 
Recently told there is no record of me in this program.
Product: Debt collection

Multiple phone calls that are pre-recorded advising me to call their number back immediately. Phone calls start early and throughout the weekend day continue with no rhyme or reason. Calling the number back advises their offices are closed and to call a second number, which I will not. The calls just keep coming, over and over. It is quite obvious they are circumventing laws by demanding a call back but instead, route you to a different number than was calling.
Product: Mortgage

XXXX XXXX and have no home to live in because of BOA. 
In 2014 I was trick in to sale of my house, it was XXXX and very disappointing to experiences to learn on the day of the closing the BOA had canceled the sale, no reason given. 
Took all escrow money from me. 
The XXXX Real Estate Companies that was used to sale the house was dishonest and provided negative representation.
Product: Checking or savings account

The company is Wells Fargo Bank N.A. 
My husband had a savings, checking and a safety deposit box. After my husband passed away, I contacted Wells Fargo to take care of his accounts. On XX/XX/2022, XXXX XXXX said I needed to wait 40 days to close his accounts and retrieve the property from his safety deposit box informed me. 

On XX/XX/2022 - I called and spoke to XXXX XXXX, she informed me that Wells Fargo had drilled the safety deposit box in error, on XX/XX/2022, because she grabbed the wrong paperwork from her desk. She informed me there were five people in the area where the safety deposit boxes are located. My response, WHAT my box was drilled in error? 

On XX/XX/2022, I had a scheduled meeting at Wells Fargo and met with XXXX XXXX ( the bank manager was off that day, so XXXX was filling in ). XXXX requested help from XXXX XXXX. 

During this meeting, XXXX informed me that the safety deposit box was drilled because of " maintenance '' and that they drilled my safety deposit box by mistake, " mistakes happen '', as she and XXXX XXXX kept saying. XXXX told me that there was " dual control '' ( Wells Fargo employees : XXXX XXXX, XXXX XXXX, and the driller from XXXX ) while the safety deposit boxes were being drilled. Once they realized the wrong safety deposit box was drilled, they followed the procedures to inventory the property. 

I was told two different stories of why my safety deposit box was drilled, which is the true story? How it is, two Wells Fargo employees are tasked to identify the safety deposit boxes to be drilled, and they both failed? 

Once they closed all the accounts, I asked for a refund for the entire year. XXXX and XXXX both said I would get a full refund, this did not happen.
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.
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

On XX/XX/XXXX I was contacted by Chase to let me know that my debit card # had been stolen. Someone in XXXX TX tried to use my card # at XXXX XXXX and Chase blocked the transaction, however, they were able to withdraw {$120.00} from our Checking Account and over {$1100.00} from our Savings Account, which was taken out in XXXX separate {$100.00} transactions listed from NY. Chase canceled my old debit card and issued me a new one. Chase had me speak with the claims department to file a claim for the money that was stolen from us. Chase issued XXXX separate claims, XXXX for our Checking Account and XXXX for our Savings Account. I was told they would look into this and let me know the result. On XX/XX/XXXX I received an email from Chase letting me know that they deemed these transactions as authorized by me and will not refund my money. This is ludicrous. It was the same day my debit card # was stolen. I found out whomever stole my number used XXXX XXXX to take the money from our Savings Account. Neither I, nor my husband own an XXXX. Chase asked me to prove we do not own XXXX by faxing them our phone bill, which I did. As of today, they are still denying both of our claims, saying that we authorized these transactions. I am insulted they would think we did this when Chase themselves notified me of my debit card number being stolen. I want action taken against them so I can get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXXXXXX XXXX XXXX Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

Purchased an airline ticket via XXXX which the AIRLINE canceled. I contacted XXXX And they informed me they work help getting a refund, however they have not done that. 

i followed up with opening a dispute with CAPITAL ONE however they have failed to assist in getting my refund. 

I did not get any services rendured from the ticket i purchased.
Product: Debt or credit management

Dear TD Bank, Please ensure you review your practices under FTC and CFPB Guidelines to ensure your officers and agents who violated the Office of Special Counsel 14 Personal Prohibited Practices since XX/XX/2006 are Disciplined, Reviewed by the XXXX and Receive a Final Determination letter from XXXX XXXX, XXXX XXXX and XXXX XXXX who will need to affidavit each person associated with the theft of XXXX Pro XXXX. XXXX XXXX XXXX XXXX. XXXX Stamped Passport XXXX. XXXX Passport Cards  XXXX. XXXX XXXX ( XXXX ) XXXX. Social Security XXXX XXXX. Indemnification Agreement from XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed. 

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

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

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


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

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

Delete the late payments from my consumer reports
Product: Debt collection

To whom it may concern, My name is XXXX XXXX, I recently pulled my credit report and found fraudulent account on my report. I tried reaching out to the COMPANY XXXX XXXX, received no answer or I am on hold for a long period of time. After finally getting through to someone, the conversation was not very pleasant, the representative on the phone was very rude. After stating my concerns, I reported that I want to file for an identity theft and as a result they hung up on. I have no knowledge of this account at all. Under the law I know it's my right report to equifax to remove any fraudulent account that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct : -XXXX I ask for the 3 Bureaus to investigate the account above, two out of three found that it was improper reporting but Transunion is still reporting incorrectly. 
In accordance to the Fair Credit Reporting XXXX Acct # XXXX has violated my rights. 

15.USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 602 A part 2 states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

After viewing a copy of my credit report, I noticed two collection accounts placed on my credit report from XX/XX/2015 and XX/XX/2015. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 
I had previously requested the following 3 from your collections services of XXXX which has never happened. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency and according to my credit report from all 3 credit bureau agencies, you have already violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card

I called barclay multiple times that my XXXX member number is showing not enrolled for my XXXX rewards business card so that my account can be updated to diamond status, and they keep saying it will take 30 days for it to activate. I also called XXXX and they said that it's barclay responsibility to update the account to diamond status. The thing is, I have the wyndham rewards earner plus credit card and it only took XXXX days from approval for my XXXX  account to update to platinum. I am worried that my points that I am earning on my XXXX business reward card won't go to my XXXX account because it's showing not enrolled.
Product: Checking or savings account

THIS IS NOT A REQEST TO COMMUNICATE WITH THE INVOLVED FINANCIAL INSTITUTION ON MY BEHALF. THIS IS A COMPLAINT SUPPORTING A REQUEST FOR INVESTIGATION. A COMPLETE NARRATIVE AND IDENTIFICATION OF PARTIES INVOLVED ARE ATTACHMENTS TO THIS ONLINE SUBMISSION. 

As treasurer of a condominium I discovered that my signature on a bank deposit-account agreement was abused by the bank and its business partner ( s ) to the extent that the bank : generated false  corporate resolutions for use in opening a deposit account ; provided forms and used those forms with its business partner ( s ) which allowed and authorized account signers unknown to the account holder ; specifically accepted account " control persons '' designated by its business partner ( s )  who are unknown to the account holder ; lied about the existence of documents it accepted from its business partner ( s ) and which became a part of the deposit agreement authorizing unknown control persons and account signers. 

I became suspicious during the account opening process when uncovering the above-described activities. As a result the condominium did not deposit funds at this particular bank. I discovered that this bank has a nation-wide program in which the association almost became involved. 

What initially captured my attention is that the bank allowed a third-party to designate an account " control person '' when the condominium association left a " beneficial ownership '' designation area blank. That is exactly what happened when the third-party -- a condominium management company as a bank business partner -- withheld from the association that page containing the beneficial ownership designation box. 

My suspicion is that many homeowner associations do not know that they have shared their account authority with unknown others, and that deposits and other account activity is generated while under the control of persons unknown to the account holders. The security implications of this seemingly well thought-out and well-executed bank program appear significant.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX  due to a fraudulent reporting on my credit as a charge off for this unknown account. XXXX XXXX stated over the phone, I spoke with XXXX, stating how there is no accounts connected with my social security number so that means someone is reporting fraudulent information on my behalf. This is disastrous to my well-being and my future plans. I am in school trying to apply for a new apartment and I was denied due to incorrect information reporting through Experian.
Product: Credit reporting

Experian has a Dismissed Bankruptcy on my credit report, which is a violation Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed Additionally, the following accounts are still listed as a bankruptcy when there was no bankruptcy on my report. All these accounts are being reported inaccurately and need to be removed immediately : XXXX 
XXXX 
XXXX 
XXXX
Product: Money transfer, virtual currency, or money service

PAYPAL close my account without any reason. 
Paypal is scammer i need help. 

i sent all my personal document for verification process to PayPal. ( Ref ID - XXXX ) Paypal is not doing her job properly and that the reason. i am file a report here. 
Paypal is violating the rights of people by closing accounts to keep the money and so make your company grow with the money that is stolen from people. 


This company act like scammer. 
my email is XXXX I demand access to my account immediately. 

PayPal asked me for my identity documents with photo, proof of address and other documents, however they closed the account permanently and did not let me withdraw the money I have.
Product: Vehicle loan or lease

I called Ally on XX/XX/XXXX  at the instruction of the Arizona DMV where the car was purchased and the title resides. I asked Ally Auto to send the lien release electronically per Arizona DMV 's request and they refused not once but twice during the conversation with their customer service dept. I asked to be transferred and was refused. 

I've reached out the Arizona DMV about the refusal to submit my lien release electronically and they were shocked the Ally wouldn't comply
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or recognize the credit inquiry entry on my credit report. I contacted said company and credit bureau reporting agencies XXXX, XXXX, and Experian to have the inquiry investigated and/or removed immediately. The credit bureau agency refused to remove the unauthorized inquiry, and I was advised that the reporting company did not respond, and to contact the vendor company directly, notify CFPB, and the FTC accordingly.
Product: Credit card or prepaid card

A macy card was open in my name and I did not open a Macy 's card
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I spoke with XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX, about two accounts for {$750.00} and {$56.00} that appeared on my credit file. I was told to fax in my phtoto id and dispute these two accounts. XXXX would then notify the credit bureaus to delete both accounts. These accounts are not mine and were opened fraudulently. Fax was confirmed at XXXX XXXX eastern on XX/XX/XXXX. I am disputing these accounts that Equifax is reporting that has an adverse affect on my credit score and worthiness.